Which loan program is right for me?

It depends on three things: how you earn your income, how much you have available for a down payment, and what you plan to do with the property. A salaried first-time buyer and a self employed investor buying a rental will usually land in completely different programs. Because we are a broker, we compare programs across many lenders rather than fitting you into a single lender's product. The fastest way to find out is a short conversation, which does not require an application or a credit pull.

Do you lend outside of California?

NestMade Mortgage is licensed in California and Colorado. Our office is in Chino Hills, California, and we work with families throughout the Inland Empire, the San Gabriel Valley, and greater Southern California, as well as clients in Colorado.

Does getting pre-approved affect my credit score?

An initial conversation about your options does not affect your credit at all. A full pre-approval does involve a credit check, which can have a small, temporary effect on your score. Credit scoring models generally treat multiple mortgage inquiries within a short shopping window as a single inquiry, so comparing options does not compound the impact.

The Second Look - NestMade

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626-262-4321

Get Pre-Approved

626-262-4321 Get Pre-Approved

The process

How it works

Three steps, and a straight answer within one business day.

Step 1

Send the scenario

The property or address, purchase or refi, a rough loan amount, and the big one: which lender said no, and why.

Step 2

We review it

We look at where the file actually breaks, and whether one of our programs solves the problem the last lender ran into.

Step 3

One-page verdict

A straight, one-page read within one business day: it closes, it closes with a change, or it does not and here is why.

Who it is for

Built for the hard ones

The files other brokers pass on are the ones we want.

Agents

Real estate agents

Send a deal that stalled or got declined, or a condo building you are not sure will clear financing, before your client is deep into escrow.

Buyers

Buyers and homeowners

Turned down or left waiting by another lender? Get a clear read on where you really stand and what it would take.

Investors

Real estate investors

DSCR, non-QM, and investment-property files are our wheelhouse. Benson Pang leads NestMade’s investor work and takes the harder scenarios personally.

Start here

Send us your scenario

Tell us what is going on, including why a lender said no if one already did. You will get a one-page verdict back, usually within one business day.

Send us the file. Get a straight answer.

The property or city, purchase or refinance, a rough loan amount, and how the home will be used. The most useful thing you can include is why the last lender said no. You will have a one-page verdict within one business day.

Get your Second Look Or call 626-262-4321

The Second Look is a preliminary scenario review based on the information provided, not a loan approval or a commitment to lend. A full application and verification are required for any pre-approval or approval. Rates, programs, and terms depend on qualification and are subject to change. NestMade does not guarantee any approval, rate, or closing.

The broker other lenders send their hard deals to.