Business Details
39 Years
experience
Your Trusted Mortgage Broker in Irvine, CA
Home123 is a comprehensive mortgage and real estate solutions provider that integrates licensed real estate agents, mortgage loan officers, and home improvement contractors into a cohesive team. Since 1987, we have leveraged sophisticated technology to assess property data and personal financial profiles, enabling clients to confidently shop for properties they can afford. Our team of mortgage executives brings over 150 years of combined experience in lending, prioritizing customer service through an employee-owned mindset. We specialize in tailored loan options for self-employed individuals, investors, and those with unique financial circumstances, including non-QM loans, bank statement loans, and asset-based financing.Our proprietary technology streamlines property searches and financing prequalification, though currently available only through our internal advisors. We maintain a strong reputation for innovation, having served clients globally with data-driven insights and personalized investment strategies. Our culture emphasizes transparency, ethical practices, and long-term client relationships, supported by physical offices in Irvine, California. We actively engage in community development through equal housing opportunities and continuous industry education via our blog and resources.
Services
Mortgage Loans
Real Estate Services
Renovation Referrals
Non-QM Loans
Investor Financing
Details
- Year established: 1987
Highlights and features
- We offer mortgage solutions since 1987 with 150+ years combined executive experience
- Our proprietary technology matches properties with personalized financing options
- We specialize in non-QM loans for self-employed and unique-income borrowers
- Our integrated team includes real estate agents, mortgage officers, and contractors
- We maintain an employee-owned culture focused on customer service excellence
What people say
Tech-powered property search
Personalized financing options
Expert mortgage advisors
Streamlined approval process
Investment-focused analysis
Services
Mortgage Loans
We provide traditional and non-qualified mortgage solutions tailored to individual financial situations. Our programs accommodate self-employed borrowers, investors, and those with complex income structures through flexible documentation requirements. With competitive rates and streamlined approvals, we help clients achieve homeownership or investment goals while maintaining strict underwriting standards.
Real Estate Services
Our technology-driven platform connects clients with prequalified investment properties matching their specific criteria. We offer market analysis tools and real estate agent partnerships to identify opportunities with strong cash flow potential. Services include property evaluation, market trend analysis, and investment strategy consultation for domestic and international buyers.
Non-QM Loans
We specialize in non-qualified mortgage programs including bank statement loans, asset-based financing, and interest-only options. These products cater to borrowers who don't meet conventional lending requirements through alternative income verification methods. Our non-QM solutions maintain regulatory compliance while offering flexibility for unique financial situations.
Investor Financing
We offer specialized financing for real estate investors seeking portfolio growth. Our DSCR loans evaluate property cash flow rather than personal income, while our technology platform identifies high-potential investment properties. Services include portfolio analysis, cash flow projections, and tailored loan structuring for single or multiple property acquisitions.
Renovation Services
We connect clients with qualified contractors for property upgrades and personalization. Our referral network handles interior and exterior renovations to enhance property value and livability. Services include design consultation, contractor vetting, and project coordination for both residential and investment properties requiring modernization.
Questions
What mortgage options do you offer for self-employed borrowers?
We specialize in non-QM loans using bank statements or asset verification instead of traditional W-2 forms.
Do you work with real estate investors?
Yes, we offer DSCR loans and portfolio financing specifically designed for investment property owners.
What areas do you serve?
While based in Irvine, CA, we provide services nationwide with specialized market analysis for multiple regions.
How does your property search technology work?
Our system matches your investment criteria with financing-prequalified properties through our advisor network.
What sets you apart from traditional lenders?
We combine mortgage expertise with real estate analysis and renovation services for comprehensive solutions.
Can I get pre-approved without traditional income documentation?
Yes, our non-QM loans accept alternative documentation like bank statements and asset statements.