It's time to join a broker, which won't disappoint you
We are here for real estate buyers who looking for fast and stress-free solutions.
Get the funding you need at the most competitive rates in the industry, without providing income verification
Get the funding you need at the most competitive rates in the industry, without providing income verification
Is your current lender measure up?
You won't be alone on the journey while working with LBC Mortgage but you will receive your own, personal supporter. What for?
Your dedicated contact person will have your back and help with every client you'll work with. There will be no more handoffs, vague communication, or complicated processes.
We do our job, so you can do yours.
Together, we'll make great things happen
Your dedicated contact person will have your back and help with every client you'll work with. There will be no more handoffs, vague communication, or complicated processes.
We do our job, so you can do yours.
Together, we'll make great things happen
Take a closer look at what we have
It was created for people, who can show a good cash flow on their business. And they shouldn't provide any income documents as well!
All they need is to be self-employed for two years.
Also, we will use their gross deposits as income and average it over the 12 months.
Down payment? Only 10%!
All they need is to be self-employed for two years.
Also, we will use their gross deposits as income and average it over the 12 months.
Down payment? Only 10%!
Bank Statement Program for Self-employed
It doesn’t require your clients to show any income docs, employment or income info don’t have to be disclosed on the application too.
No 1040’s or W-2
To qualify for the investment property rent, property rent has to cover expenses on the property.
All we want from your client is a minimum FICO score of 640 and a 20% of down payment.
No 1040’s or W-2
To qualify for the investment property rent, property rent has to cover expenses on the property.
All we want from your client is a minimum FICO score of 640 and a 20% of down payment.
DSCR Program for Investors Home Loans
The easiest way to get a loan on the mortgage market.
We don't require any documents, no taxes, no CPA letter, no job info.
All your client needs to do is put a minimum 20% down payment and show us that they have money in reserves for 3-6 months to pay the mortgage.
Also, 100% gift is allowed in this program too.
Minimum FICO 640
We don't require any documents, no taxes, no CPA letter, no job info.
All your client needs to do is put a minimum 20% down payment and show us that they have money in reserves for 3-6 months to pay the mortgage.
Also, 100% gift is allowed in this program too.
Minimum FICO 640
Easy, Non-doc program
That's the Verification of Employment Program which was created for people who work on W2.
Instead of showing taxes, W-2, and pay stubs - all your clients need to do is to show verification of the employment form.
Sounds good, right?
To qualify for this program, your clients should work for the same company for a min of two years and put a minimum down payment of only 15%
Instead of showing taxes, W-2, and pay stubs - all your clients need to do is to show verification of the employment form.
Sounds good, right?
To qualify for this program, your clients should work for the same company for a min of two years and put a minimum down payment of only 15%
VOE Program
Do the regular bank programs still fully satisfy you?
Check our absolutely unique programs and become a homeowner in no time.
Check our absolutely unique programs and become a homeowner in no time.
Finally, a broker who helps the people, whom the big banks turned away
- Galina S.Los Angeles, CALBC Team is now our Number One Team! Their service was impeccable!
We really appreciated the detailed explanations and daily reminders throughout the whole process. Covid made a lot of things overwhelming and LBC team guides us through a process that eliminated a lot of stress and intimidation. The communication from the first call I placed to Alex, to the final loan doc signing was headache free. It was a pleasure to work with this team ... - Lora K.
Los Angeles, CA
We purchased our first house with LBC Mortgage and after 8 months were able to refinance the property. Easy paperwork processing, very responsive and reliable LBC Mortgage team made our experience pleasant and efficient. Highly recommended firm! Trustworthy people! We are so grateful to all and everyone: Alex, Eugenia, Anastasia, Ani and others!!!! Thank you so very much for making our dream true! - Marat S.Encino, Los Angeles, CAI would like to express my gratitude to the LBC Mortage team and personally to Alexander Shekhtman. I turned to Alexander about buying a home: Alexander and his team supervised the whole process very professionally. Personally, in working with LBC Mortgage i liked the punctuality, delicacy and professionalism - any question, any incomprehensible place, was immediately explained and covered. I wish success and good luck to the Agency and its employees in their future work!
What is LBC Mortgage?
LBC Mortgage has begun as a small company back in 2008, focusing on residential mortgages, hard money lending, purchase money loans, and FHA Financing for California residents.
In time, we managed to establish a reputation as a trustworthy provider of comprehensive real estate services and became leaders in our field in the State of California.
You:
WHAT IF MY CREDIT IS LESS-THAN-PERFECT?
LBC Mortgage:
There are still options for lower credit score or damaged credit history. Contact our office to discuss available portfolio programs.
You:
WHAT ARE MORTGAGE POINTS?
LBC Mortgage:
One point equals one percent of your loan amount. Discount points are onetime fee that you may choose to pay to lower your interest.
You:
WHAT ARE CLOSING COSTS?
LBC Mortgage:
Closing costs include fees for title insurance, escrow services and pre-paid interests, just to name a few. Once you open escrow, you will be presented with a list of estimated fees.
You:
WHAT IS INCLUDED IN MY MONTHLY MORTGAGE BILL?
LBC Mortgage:
Depending on the program and term of your mortgage, each month your payment will pay down the principal and interests. Typically, a bigger portion of your payment will go towards you interest, especially in early years of your term. Additionally, depending on details of your loan, portion of you payment may be applied to mortgage insurance, homeowner’s insurance, property tax and flood insurance if applicable.
We are here to help
Reach out to our agent and share your situation. We will provide you with an adequate mortgage program that will help you achieve your goal.
Get familiar with the benefits of the LBC Mortgage services and become one of the many satisfied clients
Get familiar with the benefits of the LBC Mortgage services and become one of the many satisfied clients
© Copyright 2021 by LBC Mortgage. NMLS #236317 Cal DRE #01461773. All Rights Reserved.
4605 Lankershim Blvd #421, North Hollywood, CA 91602
