Business Details
21 Years
experience
Trusted Mortgage & Real Estate Services in Lake Forest, CA
Founded in 2005, Independent Bankers Mortgage has established itself as a trusted leader in mortgage banking and real estate services. Our team of seasoned professionals brings decades of combined experience to Southern California's dynamic real estate market. As both direct lenders and brokers, we offer unparalleled access to conventional and specialized loan products across six western states. Our commitment to integrity and personalized service has fostered lasting relationships with clients, evidenced by our strong referral-based business model. With dedicated mortgage specialists and real estate agents living and working in the communities we serve, we combine local market expertise with national lending capabilities.Our proven track record includes navigating complex regulatory environments since the pre-Dodd-Frank era, ensuring compliance while maintaining a client-focused approach. Through our dual entities - Independent Bankers Mortgage and California Custom Realty - we provide comprehensive solutions for homebuyers, sellers, and investors. Our warehouse lending capabilities since 2014 enhance our ability to deliver tailored financing options. Backed by multiple state licenses and a network of approved lenders, we remain committed to demystifying the loan process while upholding the highest standards of professional conduct.
Services
Mortgage Loans
Real Estate Sales
Government Loans
Loan Processing
Loan Brokerage
Property Listings
Loan Refinancing
Escrow Services
Credit Analysis
Market Valuations
Details
- Year established: 2005
Highlights and features
- Experienced mortgage and real estate professionals with decades of industry expertise
- Licensed in six states to provide comprehensive loan options
- Local market knowledge in Southern California counties
- Commitment to integrity and personalized client service
- Offering both conventional and hard-to-place loan solutions through a network of lenders
Services
Mortgage Loans
Our mortgage loan services provide access to conventional and specialized financing options across six western states. With direct lending capabilities and a network of 20+ approved lenders, we offer competitive rates for standard and non-qualified mortgages. Our experienced specialists guide clients through the complete loan lifecycle from pre-qualification to closing, ensuring compliance with all regulatory requirements while maintaining a personalized approach.
Real Estate Sales
California Custom Realty delivers expert real estate representation in Southern California's major counties. Our local agents combine market knowledge with professional expertise to help clients achieve optimal pricing and terms. We specialize in residential transactions, offering tailored marketing strategies for sellers and comprehensive property search assistance for buyers across Orange, San Diego, Los Angeles, San Bernardino, and Riverside counties.
Loan Brokerage
Our loan brokerage services connect clients with specialized financing solutions through a network of 20+ approved lenders. This capability allows us to place complex loans that don't meet standard underwriting criteria while maintaining competitive pricing. We handle both conventional mortgage products and non-qualified loan options, providing flexibility for borrowers with unique financial situations while ensuring full regulatory compliance throughout the transaction process.
Government Loans
We specialize in government-backed loan programs including FHA, VA, and USDA options. Our specialists have extensive experience with these specialized products since 2009, helping clients navigate the specific requirements and benefits of each program. We provide complete support from initial application through closing, ensuring compliance with all federal regulations while making homeownership accessible to qualified borrowers with varying credit profiles.
Loan Processing
Our comprehensive loan processing services manage every aspect of mortgage transactions from application to closing. We coordinate with underwriters, escrow companies, and appraisal professionals to ensure smooth transactions. Our team handles document collection, verification of income and assets, and credit analysis while maintaining communication with all parties involved. This streamlined approach helps minimize delays and ensures compliance with evolving regulatory requirements throughout the loan approval process.
People
Gil Correa
Mortgage Banker
With extensive mortgage industry experience, Gil leads our banking operations while maintaining real estate broker qualifications. He manages loan origination strategies and ensures compliance with state and federal regulations across our multi-state service area.
Eveline Shih-Pitcairn
Real Estate Agent
Eveline serves as a dedicated real estate professional in Southern California's competitive market. Her local expertise and client-focused approach help homebuyers and sellers navigate property transactions with confidence and market insight.
Timothy Rellaford
Mortgage Loan Specialist
Timothy combines mortgage lending expertise with real estate knowledge to help clients secure appropriate financing solutions. He specializes in guiding borrowers through complex loan scenarios while maintaining clear communication throughout the process.
Wendy Escobar-Menghini
Realtor
Wendy provides expert real estate representation in Southern California's housing market. Her community involvement and local market knowledge help clients make informed property decisions that align with their lifestyle needs.
Debra Linn
Mortgage Loan Specialist
Debra offers specialized mortgage lending services with a focus on client education. Her experience helps borrowers understand financing options while navigating the loan approval process efficiently and transparently.
Questions
What areas do you service for mortgage and real estate transactions?
We provide mortgage services in California, Colorado, Idaho, New Mexico, Oregon, and Washington. Our real estate services focus on Southern California's Orange, San Diego, Los Angeles, San Bernardino, and Riverside counties.
Can you help with both conventional and specialized loan programs?
Yes, we offer conventional mortgage products through our direct lending operations and access specialized loan options through our network of 20+ approved lenders for non-qualified mortgage scenarios.
How does the Dodd-Frank Act affect my mortgage application?
Dodd-Frank regulations require extensive documentation to verify your ability to repay. Our specialists guide you through these requirements while maintaining transparency about fees and closing costs throughout the loan process.
What sets your company apart from other mortgage providers?
Our unique combination of direct lending capabilities and brokerage services gives clients more options. With local market expertise in Southern California and multi-state lending approvals, we offer personalized solutions with integrity-focused service.
How long does the typical loan process take?
While varying by loan type and complexity, our streamlined process typically takes 30-45 days from application to closing. Our team maintains constant communication to address issues promptly and keep transactions moving forward.
Do you offer government-backed loan programs?
Yes, we specialize in FHA, VA, and USDA loan programs since 2009. Our specialists help qualified borrowers access these government-backed options with competitive rates and flexible qualifying criteria.
