Business Details
14 Years
experience
Your Trusted Mortgage Broker in Los Angeles
TLD Financial has established itself as a trusted partner in home financing through decades of combined experience and a client-centric approach. Our independent mortgage brokerage model allows us to offer greater flexibility by accessing multiple lenders to secure optimal loan solutions for clients. With over 58 years of collective expertise, we specialize in innovative home financing strategies that leverage lower overhead costs compared to traditional banks. Our team prioritizes personalized service, demonstrated through 250+ satisfied customers and $170 million in funded loans, ensuring clients receive tailored mortgage solutions.We maintain transparency throughout the process while offering specialized programs for first-time buyers, investors, and unique property types. Our commitment to excellence is reflected in customer testimonials highlighting our brokers' integrity, accessibility, and market knowledge. As an NMLS-registered institution (#287014), we adhere to strict professional standards while maintaining efficient processes that streamline loan acquisition.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
HELOC Programs
Reverse Mortgages
DSCR Loans
ITIN Loans
Hard Money Loans
Details
- Year established: 2012
Highlights and features
- We offer 58+ combined years of mortgage industry expertise
- Our independent broker model provides access to multiple lenders
- We maintain transparent fee structures with no hidden costs
- Our team includes certified professionals with mortgage specialization
- We provide personalized loan solutions for unique financial situations
Associations and certifications
- NMLS #287014
What people say
Honest and knowledgeable broker
Excellent customer service
Competitive interest rates
Streamlined loan process
Personalized guidance
Services
Conventional Loans
Standard mortgage products conforming to Fannie Mae/Freddie Mac guidelines, including jumbo loans for high-value properties. Available for primary residences, investment properties, and second homes. Our brokers help clients navigate loan qualification requirements while securing competitive interest rates through multiple lender partnerships.
Government-Backed Loans
Specialized mortgage programs insured by federal agencies for specific borrower categories. FHA loans require low down payments, VA loans serve military veterans, and USDA loans support rural property purchases. Our team assists first-time buyers and eligible applicants in maximizing these programs' benefits while meeting eligibility requirements.
HELOC Programs
Flexible credit lines secured by home equity, available in fixed or variable rate options. Ideal for home improvements, debt consolidation, or emergency funds. We help clients understand borrowing limits, repayment terms, and tax implications while ensuring responsible lending practices.
Reverse Mortgages
Financial tools for homeowners aged 55+ to convert home equity into tax-free income without monthly payments. Our specialists explain eligibility criteria, payment options, and estate planning considerations while maintaining compliance with HUD regulations for HECM products.
Investor Financing
DSCR loans and other investment property financing options for real estate investors. We evaluate property cash flow potential and borrower financial strength to secure competitive rates. Our services include portfolio analysis and recommendations for scaling real estate investments through strategic mortgage planning.
People
John C
President
As President of TLD Financial, John C provides strategic leadership with his CPA expertise and extensive mortgage industry experience. He oversees operational excellence while maintaining client satisfaction standards across all financing services.
James D
Partner
James D, an MBA and CPA, contributes financial expertise as Partner at TLD Financial. He specializes in complex mortgage solutions and ensures compliance with regulatory standards while supporting clients' long-term financial goals.
Sherry L
Senior Accountant
Sherry L, a certified public accountant, manages financial operations at TLD Financial. With over a decade of experience, she ensures accurate reporting and provides tax-efficient mortgage financing strategies for clients.
Sara C
Senior Accountant
Sara C, a senior accountant at TLD Financial, specializes in mortgage-related financial analysis. Her CPA credentials support accurate loan documentation and compliance while maintaining the company's commitment to financial transparency.
Questions
What mortgage programs does TLD Financial offer?
We offer conventional, FHA, VA, USDA, HELOC, reverse, DSCR, ITIN, and hard money loans to meet diverse financing needs for primary residences and investment properties.
How does TLD Financial's broker model benefit clients?
As independent brokers, we access multiple lenders to find competitive rates and specialized programs unavailable through single-institution models while maintaining personalized service throughout the process.
Can first-time homebuyers receive special assistance?
Yes, we offer down payment assistance programs and government-backed loan options specifically designed for first-time homebuyers to reduce upfront costs and improve accessibility.
What documentation is required for mortgage applications?
Standard requirements include proof of income, asset statements, credit history, and property details. Our team provides personalized checklists and guidance for each loan program.
How does TLD Financial handle remote closings?
We offer mobile notary services for convenient document signing, allowing clients to complete loan closings at their preferred location without visiting traditional banking institutions.
What sets TLD Financial apart from traditional banks?
Our lower overhead allows competitive pricing, while our broker model provides access to multiple lenders. We emphasize personalized service with experienced professionals maintaining direct client communication throughout the loan process.
Reviews (1)
Steve
May 29, 2011
Report
I have done several loans now through TLD Financial and they always come through with the lowest rates and fees. The last 2 refi's didn't cost me anything AND I got the lowest rate available. The online application was super easy and I could upload all my documents online. I received daily status updates telling me how far along my loan was and what still needed to be done. The closing was great too. I didn't have to go to a bank or title company. They sent a notary to my house. TLD Financial get's it!!!!! Highly recommended.
