Business Details
Your Trusted Mortgage Partner in Palm Springs
MortgageWorks has been dedicated to helping clients achieve homeownership dreams through personalized mortgage solutions. Our team combines decades of industry experience with cutting-edge technology to deliver tailored loan programs including FHA, VA, Conventional, Jumbo, and specialized Non-QM options. We maintain rigorous compliance with accessibility standards while providing 24/7 digital tools for loan calculations and secure applications.Our commitment to client satisfaction is demonstrated through responsive service, transparent communication, and a proven track record of successful transactions across California. We continuously invest in improving our processes to ensure equal access and usability for all clients, including those with disabilities.
Services
Home Purchase Loans
Refinance Options
FHA Loans
VA Loans
Jumbo Loans
HELOC Programs
Non-QM Financing
Online Pre-Qualification
Mortgage Calculators
Cash-Out Refinancing
Highlights and features
- We offer niche Non-QM loan programs for unique financial situations
- Our online tools provide easy access to mortgage calculations and pre-qualification
- Committed to accessibility and usability for all clients, including those with disabilities
- Specialized expertise in California mortgage markets
- Proven track record helping first-time homebuyers and investors
Associations and certifications
- NMLS 337037
What people say
Very responsive
Help with unique financial situations
Easy online tools
Successful first-time purchase
Investment property support
Services
Home Purchase Loans
We offer comprehensive home purchase loan programs including FHA, VA, USDA, Conventional, and Jumbo options. Our specialists guide first-time buyers through the entire process while providing competitive rates and personalized down payment assistance strategies. Our local market expertise helps clients secure financing for primary residences and investment properties.
Refinance Options
Our refinance programs include cash-out options, rate-and-term adjustments, and streamline processes for existing FHA, VA, USDA, and conventional loans. We help homeowners reduce monthly payments, access equity, or modify loan terms through HARP and other specialized programs while maintaining strict compliance with current regulations.
Non-QM Financing
We provide Non-QM loan solutions for borrowers with unique financial situations using 12-24 month bank statements, investor cash-flow analysis, and bridge financing options. Our programs accommodate self-employed individuals, fix-and-flip investors, and borrowers with non-traditional income documentation requirements through tailored underwriting processes.
Online Mortgage Tools
Our website features secure online loan applications, interactive mortgage calculators, and pre-qualification tools accessible 24/7. These resources allow clients to compare financing scenarios, estimate payments, and submit complete loan packages digitally while maintaining full data encryption and privacy protections.
Accessibility Services
We maintain WCAG 2.1 compliant website features through UserWay accessibility widgets, ensuring equal access for clients with disabilities. Our dedicated support team provides document assistance, alternative format options, and in-person accommodations to guarantee all borrowers can access mortgage services with dignity and independence.
People
Chris Gaines
Loan Officer
Chris Gaines brings extensive mortgage industry experience to MortgageWorks, specializing in first-time homebuyer programs and investment property financing. He maintains direct communication with clients throughout the loan process and has developed streamlined systems for efficient transaction completion.
Questions
What loan programs do you offer?
We provide FHA, VA, USDA, Conventional, Jumbo, HELOC, and Non-QM loans with specialized options for fix-and-flip investors, self-employed borrowers, and cash-flow based financing.
Can I apply for a mortgage online?
Yes, our secure website allows complete online loan applications with document upload capabilities and real-time status tracking available 24/7 from any device.
Do you offer refinance options?
We offer cash-out refinancing, rate-and-term adjustments, and streamline programs for existing FHA, VA, and conventional loans to help reduce payments or access home equity.
How do I qualify for a Non-QM loan?
Our Non-QM programs use 12-24 month bank statements, investor cash-flow analysis, and alternative documentation methods to qualify borrowers who don't meet traditional income verification requirements.
Is your website accessible for users with disabilities?
Yes, we maintain WCAG 2.1 compliance through UserWay accessibility features and provide document assistance to ensure equal access for all clients.
