Serving 60+ California Cities · NMLS #377740

California Mortgage Experts. 35 Loan Programs. One Call.

Save Financial is a top-rated mortgage brokerage in Newport Beach and Marina del Rey with 45 years of combined experience. From conventional and jumbo loans to hard money, bank statement, and DSCR investor programs — we find the perfect loan for every situation.

💰 $500 Price Guarantee — If we can't beat another lender's offer, you get $500.

Get Your Free Rate Quote →Apply Online

⭐ 4.9 Stars on Google, Yelp & Zillow🛡️ Equal Housing Lender📞 Open 7 Days a Week

4.9★

Google Reviews

4.9★

Yelp Reviews

4.9★

Zillow Reviews

45+

Years Experience

20+

Lender Partners

35 Programs

Mortgage Programs for Every Situation

Whether you're a first-time buyer, self-employed professional, veteran, real estate investor, or someone with unique financial circumstances — Save Financial has the right loan program. We are licensed with 20+ wholesale lenders so you get the best rates available.

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Conventional Loans

Traditional financing backed by Fannie Mae/Freddie Mac. Lowest rates for qualified borrowers.

View CA Conventional Requirements →🏛️

FHA Loans

Government-insured with low down payments and flexible credit — ideal for first-time buyers.

View CA FHA Requirements →🎖️

VA Loans

Zero down payment for eligible veterans, active duty, and surviving spouses.

Explore VA Loan Benefits →🏰

Jumbo Loans

Financing above California's $1,209,750 conforming limit for luxury properties.

Explore CA Jumbo Options →🔄

Refinance Loans

Replace your mortgage to lower your rate, change your term, or access equity.

See Refinance Options →🏦

HELOC

Revolving credit line against your equity — draw as needed, pay interest only on what you use.

Explore HELOC Programs →📈

DSCR Loans

Investment property loans qualified by rental income — no personal income docs needed.

Explore DSCR for Investors →📄

Bank Statement Loans

Qualify with 12-24 months of bank statements instead of tax returns.

Explore Bank Statement Loans →💼

Self-Employed Loans

Comprehensive mortgage solutions for business owners, freelancers, and independents.

See Self-Employed Programs →💰

Hard Money Loans

Fast, asset-based financing for real estate investments. Approval in as little as 24 hours.

Explore Hard Money Rates →🔓

No-Income Loans

Buy or refinance with no job, no income verification — qualify on assets and credit alone.

See No-Income Requirements →🔨

Fix & Flip Loans

Short-term financing for purchasing and renovating properties for resale.

Explore Fix & Flip Financing →

View All 35 Loan Programs →

How It Works — 4 Simple Steps

Getting a mortgage with Save Financial is straightforward. Our experienced team handles the heavy lifting so you can focus on finding your perfect home or investment.

Apply Online or Call

Our simple application takes less than 10 minutes. Or call (888) 703-1840 and we'll walk you through it.

Get Approved Fast

Receive a written offer within 24 hours. We clearly outline all terms in language that's easy to understand.

Loan Funded

Our funding process is lightning fast — days, not the weeks other lenders take. We close on your timeline.

Pay Monthly

Make payments via mail, phone, or direct deposit. Clear terms, simple schedule. That's it.

Why California Homebuyers & Investors Choose Save Financial

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$500 Price Guarantee

If we can't beat another lender's written offer, you receive $500. We're that confident in our rates.

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35 Loan Programs

From conventional and FHA to hard money, DSCR, bank statement, and no-income loans — we cover every scenario.

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Wholesale Rates

We shop 20+ wholesale lenders to find the lowest rate. You save compared to retail bank markups.

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Fast Closings

Hard money in 24 hours. Conventional in 21 days. We move at your pace — never the other way around.

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Personal Service

Work directly with an experienced loan officer from start to finish. No call centers, no hand-offs.

🌎

We Speak Your Language

Our team speaks English and Spanish. We serve California's diverse communities with comfort and clarity.

Orange County

Median: $1,200,000

→

View All 60 California Cities →

What Our Clients Say

4.9-star average across Google, Yelp, and Zillow

★★★★★Yelp

“Mike and team are awesome! The rate was great, escrow costs low and they closed my refinance ahead of schedule! I can confidently state that Mike provides the best financial deal along with the service to back it up.”

Nara K.

San Clemente, CA

★★★★★Google

“We received a great rate and excellent service with Ali at Save Financial. Ali kept us updated at every stage of the process. Our loan paperwork sailed smoothly through the system ahead of schedule. Strong recommend!”

Liam F.

Palo Alto, CA

★★★★★Google

“I honestly don't know how Mike did it because he got me an amazing rate that I couldn't find anywhere else and boy did I shop around. He explained all my options in a very simple way. Happy customer!”

Shannon L.

San Diego, CA

★★★★★Yelp

“Ali is the best! I've been in the real estate industry for 31 years and Ali stands out on top. He was always quick to respond, delivered as promised, and we got a fantastic rate!”

Ted B.

Real Estate Professional

★★★★★Google

“Everything Ali discussed on the initial call came through as planned. The process was efficient, Ali was always available with quick responses, and the entire refi experience was seamless.”

Greg C.

Temecula, CA

★★★★★Zillow

“Mike and Ali helped us buying and selling homes, financing and re-financing. They are very experienced, professional, responsive, and very quick. Even though we are very picky, they never gave up finding the best home within our budget.”

Scott T.

California

Mortgage Guides & Education

Expert articles to help you make smarter mortgage decisions. Written by California lending professionals.

Buying a Home

How to Get a Mortgage in California: A Complete 2025 Guide

Everything California homebuyers need to know — from checking your credit to closing day. This compr...

Read Guide →First-Time Buyers

First-Time Home Buyer Programs in California: Every Option Explained

California offers more first-time buyer assistance than most states. From CalHFA down payment grants...

Read Guide →Self-Employed

Bank Statement Loans in California: The Self-Employed Borrower's Guide

If your tax returns don't reflect what you actually earn, bank statement loans may be the answer. He...

Read Guide →Investing

DSCR Loans in California: The Investor's Complete Guide

DSCR loans let you qualify based on the property's rental income — not yours. Here's how California ...

Read Guide →

View All Articles →

Free Resources

Mortgage Education Center

Everything you need to make confident mortgage decisions — guides, calculators, comparisons, and expert articles.

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Step-by-Step Guides

How to buy, refinance, and invest

3 guides →

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Today's Rates

Current rates across all programs

10 programs →

⚖️

Compare Programs

Side-by-side loan comparisons

10 comparisons →

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Calculators

Payment, affordability, DTI, more

5 tools →

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By Situation

Programs for your profession & life stage

6 scenarios →

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Service Areas

8 California regions served

60 cities →

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FAQ

Common questions answered

20 questions →

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Glossary

Mortgage terms in plain English

64 terms →

About Save Financial — California Mortgage Broker

Save Financial, Incorporated is a trusted mortgage lending brokerage with offices in Newport Beach and Marina del Rey, California. With 45 years of combined mortgage industry experience and relationships with over 20 major U.S. wholesale lenders, we deliver competitive rates and personalized service across the full spectrum of residential and investment lending.

Our 35 mortgage programs include conventional, FHA, VA, jumbo, hard money, bank statement, DSCR, P&L, self-employed, ITIN, foreign national, no-income, construction, bridge, fix-and-flip, reverse mortgage, HELOC, and more. Whether you're a first-time homebuyer in Sacramento, a self-employed professional in Los Angeles, or a real estate investor building a portfolio in the Inland Empire, Save Financial has the right program at the right rate.

We proudly serve over 60 California cities from San Francisco and San Jose in the Bay Area to Los Angeles, Irvine, and Newport Beach in Southern California, plus Sacramento, Fresno, and the Central Valley. Our team speaks English and Spanish.

Save Financial is licensed by the California Department of Real Estate (DRE #01875766) and registered with the Nationwide Mortgage Licensing System (NMLS #377740). We are an Equal Housing Lender committed to fair and transparent lending practices.

Learn More About Us →

Ready to Find Your Perfect California Mortgage?

Get a free, no-obligation consultation with a Save Financial expert. No hard credit pull. Just personalized guidance from a dedicated California mortgage advisor.

Open 7 days a week, 9AM–8PM. Newport Beach & Marina del Rey offices. Call, text, or apply online.

Get Your Free Quote (888) 703-1840