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Expert Mortgage Solutions for Every Homeowner.
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Consistent monthly payments with fixed interest rates.
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Loans with flexible rates that adjust after an initial fixed term.
Affordable options with low down payments for first-time buyers.
No down payment loans for veterans and active-duty military members.
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Loan Lock Loans offers guidance and loans to simplify homeownership.
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Loan Lock Loans helps you refinance to lower payments or access funds easily.
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Loan Lock Loans helps secure low rates to make homeownership affordable.
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The Loan Lock Loans simplifies homeownership with tailored loans for every buyer.
Secure Your Financial Future:
Book Your Free Consultation Today!
Take the first step towards homeownership with The Loan Lock Loans. Schedule a complimentary consultation with our experienced mortgage analysts and get personalized guidance on your loan options. Your dream home is closer than you think.
01
I need to know how much I can qualify for
02
What is the difference between Pre-qualify and Pre-approval?
03
Can Loan Lock give me a Pre-approval today?
04
Can Loan Lock give me a Pre-approval today?
05
Can Pre-approval expedite my loan process?
06
I want Loan Lock to start my Pre-approval.
01
I Do Not need 20% down to buy a home.
02
I Do Not need perfect credit to buy a home.
03
I Do need a dedicated Loan Agent.
04
A 30-year, fixed-rate mortgage is not always the best.
05
Buying a home is always better than renting.
06
Ask a Loan Office to compare FHA vs Conventional.
01
I Do need to take cash-out for home renovation.
02
I Do need to lower my monthly mortgage payments.
03
I Do Not always need substantial equity for refinancing.
04
I Do Not have to have perfect credit for a successful refinance.
05
I Do need expert loan advice to process the loan.
06
I Do have other options than a 30-year fixed-rate mortgage.
01
Do I need 20% & up for the down payment
02
Can I get Assets Depletion loans available?
03
Can I get a loan if I’m self-employed – 1099 Loans?
04
Can I get a Bank Statement Loan with 660+ credits?
05
Can I get No Ratio DSCR Loans?
06
Can I get a loan up to 6.25 MM with 680+ FICO?
Book a Call
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Get a Purchase Pre-Approval Letter!
If you're serious about purchasing a home, you'll find that you will need a pre-approval letter. You can start that process right now and it should only take 30 seconds!
Break Free from Traditional Lending
Explore Non-QM Loans for Financial Freedom.
Life doesn't always fit neatly into boxes, and neither should your mortgage. If you're self-employed, an investor, or have a financial situation that doesn't fit the traditional mold, Non-QM loans can open doors to homeownership.
1099 Loans
Flexible mortgage solutions for luxury homes, even with unique financial circumstances.
FICO
Credit Score Start at 660
LTV
90%
- Up to 50% DTI Ratio
- Interest Only Available
- Uses 1 or 2 years of 1099 forms to qualify borrowers.
No Ratio DSCR Loans
Focus on property cash flow, not personal income, for better investment opportunities.
FICO
Credit Score Start at 660
LTV
80%
- 1 to 4 Unit Residential Properties
- Investment Only
- FICO = ok 620 min
- LTV = ok 80% Max
- Loan amount up to $3.5 Million
- Vacant Properties
Down Payment Assistance
Get help with your home purchase through our Down Payment Assistance Program
FICO
Credit Score Start at 600
LTV
90%
- Up to 103% Max LTV*
- Up to 3.5% of the Appraised Value on FHA Loans
- FHA Loans
- LTV* to 90%
Bank Statement Loans
Unlock real estate dreams with flexible income verification from Loan Lock Loans.
FICO
Credit Score 660 +
LTV
90%
- Cash Out up to 80% LTV
- Primary, 2nd Home, Investment
- Utilizes 12-24 months of personal or business bank statements to assess income.
- No Tax Returns required
P&L Loans
Finance based on business success with Loan Lock Loans's P&L loan solutions.
FICO
Credit Score Start at 640
LTV
85%
- $3 Million Max Loan Amount
- Primary, 2nd home and Investment
- Purchase, Rate and Term or Cash out
Bridge Loans
Seamlessly transition to your new home with Our flexible Bridge Loan solutions.
FICO
Credit Score 660 +
Loans up to
$2MM
- Min. DSCR 1.00
- Loans to $2MM
- Interest-Only Available
- 5-8 Units Allowed/Vacancies Allowed
- $1M Max Cash-Out
- Mixed Use Limited to Retail/ Office
ITIN Loans
Secure financing for your U.S. property dreams with Our flexible ITIN Loan solutions.
FICO
Credit Score Start at 640
LTV
97%
- Loan amounts up to $1.5 Million
- Qualify with Tax returns or Business Bank Statements
- Suitable for primary residences, second homes, and investment properties.
Jumbo Non-QM Loans
Get tailored financing for high-value properties, regardless of unique financial situations.
FICO
Credit Score 660 +
Loans up to
$2MM
- Min. DSCR 1.00
- Loans to $2MM
- Interest-Only Available
- 5-8 Units Allowed / Vacancies Allowed
- $1M Max Cash-Out
- Mixed Use Limited to Retail/ Office
Select Loan Type
Interest Rate
Home Price
Loan Term
Down Payment
Select Loan Type
Interest Rate
Home Price
Loan Term
Down Payment
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Interest Rate
Home Price
Loan Term
Down Payment
Client Testimonials:
Aloysius Farnon
@afarnon
Their professional team made the mortgage approval process clear, efficient, and tailored to our financial goals with an affordable home loan option.
Ana De Armas
@ana.de
For anyone considering refinancing, I highly recommend The Loan Lock Loans for their competitive mortgage rates and flexible loan options
Donna Paulsen
@d.paul
The Loan Lock Loans’s team provided exceptional guidance through the homeownership journey with affordable rates and a personalized loan plan
Donna Paulsen
@d.paul
If you’re looking for homeownership assistance, The Loan Lock Loans is the best choice for affordable, low-interest home loans tailored to your needs.
Ana De Armas
@ana.de
The Loan Lock Loans took the stress out of securing a home loan with their expert mortgage solutions and customer-focused approach
Anything Unclear or Need Some Help? Relax, We Are Here for You 24/7
Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.
Refinance Home Loans
Home Refinance Process
Cash Out Refinance
Investment Property Refinance
Reason to Refinance
Refinance Costs and Fees
Refinance Non QM Home Loans
Types of Home Financing
When to Refinance your Home
Non-QM Loans
DSCR Loans
Jumbo Non-QM Loans
1099 Loans
ITIN Loans
Bank Statement Loans
Asset Utilization Loans
Bridge Loans
P&L Loans
Home Purchase Loans
Fixed-Rate Mortgage
Adjustable Rate Mortgage
FHA Loan Requirements
VA Loan Eligibility
Jumbo Loan Options
Construction Loan Process
Bridge Loan for Homebuyers
First Time Home Buyer
Legal Disclaimer
Loan Lock Loans, a division of Loan Lock Corporation (NMLS #237507), is located at 6 Hutton Centre Drive, Suite 1030, Santa Ana, CA 92707. Please note that Loan Lock does not offer legal, tax, or financial advice, nor is it affiliated with any government agency. www.nmlsconsumeraccess.org.
© Loan Lock Loans LLC. All Rights Reserved - Powered by Maple54
- Contact Us
- Our Locations
- Business Hours Monday - Friday 8:00 AM to 5:00 PM PST
NMLS# 397532
(949) 396-1204
6 Hutton Centre Drive, Suite 1030, Santa Ana, CA 92707
kevin.kb@loanlock.com
Refinance Home Loans
Non-QM Loans
Home Purchase Loans
Legal Disclaimer
Loan Lock Loans is a division of Loan Lock, NMLS #237507 located at 6 Hutton Centre Drive, Suite 1030, Santa Ana, CA 92707. Loan Lock does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for an extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. For current licensure information, please visit: www.nmlsconsumeraccess.org.
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© Loan Lock Loans LLC. All Rights Reserved - Powered by Maple54