Business Details
37 Years
experience
Your Trusted Mortgage Broker in Santa Ana, CA
NBM Financial has been a trusted partner in mortgage services for over three decades, specializing in guiding Orange County homebuyers and owners through complex financing landscapes. Founded in 1989, our team combines deep local market knowledge with expertise in VA, FHA, Conventional, and Jumbo loan programs. We prioritize customer-centric solutions, offering free loan pre-approvals, competitive pricing, and personalized video explanations of financing scenarios.Our commitment to transparency, ethical practices, and community service underpins every transaction. With a focus on education and empowerment, we help clients navigate loan options while adhering to strict regulatory standards. Our branch manager, Tim Storm, brings 33 years of hands-on experience and specialized certifications to ensure clients receive informed, strategic advice tailored to their unique financial situations.
Services
VA Loans
FHA Loans
Conventional Loans
Jumbo Loans
Refinancing
Details
- Year established: 1989
Highlights and features
- 33 years of Orange County mortgage expertise with specialized loan knowledge
- Free loan pre-approvals with no hidden fees or application charges
- Personalized video explanations of customized financing scenarios
- Competitive pricing across VA, FHA, Conventional, and Jumbo loan programs
- Certified Mortgage Planning Specialists with real estate brokerage expertise
Associations and certifications
- NMLS ID 236669
Services
VA Loans
VA Loans provide zero-down financing for eligible veterans with competitive rates. Our team specializes in maximizing VA loan benefits up to $2 million limits in Orange County. We guide clients through documentation requirements and streamline the approval process for primary residences and refinancing.
FHA Loans
FHA Loans require 3.5% down payments with flexible credit requirements. We help first-time and move-up buyers access high-limit financing up to $1,089,300 in Orange County. Our process includes mortgage insurance analysis and transition planning to conventional financing.
Conventional Loans
Conventional Loans follow Fannie Mae/Freddie Mac guidelines with options as low as 3% down. We offer portfolio and construction loans for unique properties. Our specialists optimize loan terms for clients with strong credit profiles seeking jumbo or high-balance financing.
Jumbo Loans
Jumbo Loans exceed conforming loan limits with tailored underwriting. We provide financing up to $2 million for luxury properties in Orange County. Our team structures down payment requirements and debt-to-income ratios to meet non-conforming standards while maintaining competitive rates.
Refinancing
Refinancing options include rate reduction, term adjustment, and cash-out programs. We analyze break-even points and closing cost credits to optimize savings. Specialized VA IRRRL and FHA streamline programs reduce documentation requirements for qualified applicants.
People
Tim Storm
Branch Manager/Mortgage Advisor
With 33 years of Orange County mortgage experience, Tim Storm holds a BBA from University of San Diego and CA Real Estate Broker licensure. Certified Mortgage Planning Specialist designation enhances his strategic loan analysis capabilities for homebuyers and refinancers.
Questions
What mortgage loan types do you specialize in?
We specialize in VA, FHA, Conventional, and Jumbo loans for Orange County homebuyers and refinancers.
Is pre-approval required before house hunting?
Yes, pre-approval strengthens offers and clarifies budget limits with no upfront fees.
Do you offer refinancing options?
Yes, we provide rate-and-term refinancing, cash-out refinancing, and VA IRRRL programs.
Are there fees for loan processing?
We charge no application or credit report fees for pre-approval processes.
Can I eliminate mortgage insurance?
FHA mortgage insurance removal requires refinancing; VA loans have no ongoing mortgage insurance.
How does your video explanation service work?
We create personalized videos detailing loan scenarios to simplify complex mortgage decisions.
