Business Details
Trusted Mortgage Solutions in Cerritos, CA
At Maximum Lending, we prioritize personalized service to help clients achieve their homeownership goals. Our expert loan officers specialize in tailored mortgage solutions, including conventional, government-backed, and non-conforming loan programs. With a focus on competitive rates and comprehensive guidance from origination to closing, we serve first-time buyers, move-up buyers, retirees, and investors. Our commitment to transparency and customer satisfaction ensures clients receive the right loan for their unique financial situation.We offer flexible options like FHA, VA, Jumbo, and Reverse Mortgages, alongside refinancing and home improvement financing. Backed by a California corporate license and NMLS certification, we operate as a trusted Equal Housing Lender. Our mission is to expand access to homeownership through customized loan packages and dedicated support.
Services
Fixed-Rate Mortgages
Adjustable Rate Mortgages
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
Home Improvement Loans
Refinancing
Investment Property Loans
Down Payment Assistance
Highlights and features
- We offer personalized loan officer support for tailored mortgage solutions.
- Our competitive rates include FHA, VA, and Jumbo loan options.
- We specialize in refinancing programs like HARP and Reverse Mortgages.
- Our team provides transparent pricing with no hidden fees.
- We serve first-time buyers, investors, and retirees with flexible terms.
Associations and certifications
- NMLS ID #1475243
- California Department of Business Oversight License #60DBO-54709
What people say
Great rates
Dedicated support
Loan approvals
Transparent communication
Successful closings
Services
Fixed-Rate Mortgages
Fixed-Rate Mortgages provide consistent interest rates and monthly payments over 15- or 30-year terms. Ideal for borrowers seeking predictable budgeting, this loan ensures no surprises from market fluctuations. Maximum Lending offers competitive rates for primary residences, vacation homes, and investment properties.
FHA Loans
FHA Loans require as little as 3.5% down and cater to first-time buyers with lower credit scores. Backed by the Federal Housing Administration, these loans offer flexible terms and low closing costs. Maximum Lending guides clients through energy-efficient mortgage options and refinancing programs.
VA Loans
VA Loans provide zero-down payment options for active-duty military, veterans, and spouses. These federally guaranteed loans eliminate private mortgage insurance requirements and offer competitive rates. Maximum Lending assists with streamlined qualification and seller-paid closing costs.
Reverse Mortgages
Reverse Mortgages convert home equity into tax-free income for homeowners aged 62+. No monthly payments are required, preserving cash flow for retirees. Maximum Lending offers purchase and refinance options to fund retirement homes or supplement income.
Jumbo Loans
Jumbo Loans finance high-value properties exceeding conforming loan limits. Available for primary residences, vacation homes, and investments, these loans feature fixed or adjustable rates. Maximum Lending provides tailored solutions for luxury home buyers and high-net-worth clients.
People
Eldon
Loan Officer
Eldon specializes in personalized mortgage solutions, helping clients secure financing for over 20 years. He focuses on first-time buyers, veterans, and retirees, ensuring transparent communication throughout the loan process.
Brian
Loan Officer
Brian has extensive experience in mortgage origination, assisting families and investors with tailored loan programs. He prioritizes client education and works closely to navigate complex financing scenarios efficiently.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA Loans with low down payments, fixed-rate mortgages for stability, and down payment assistance programs. Our loan officers help first-time buyers navigate options tailored to their financial situation.
Can I refinance my current mortgage with bad credit?
Yes. We provide HARP refinancing and government-backed programs for borrowers with lower credit scores. Contact us to explore options based on your equity and income.
How does a reverse mortgage work for retirees?
Reverse Mortgages let homeowners aged 62+ convert equity into income or a line of credit. No monthly payments are required, but property taxes and insurance must still be paid.
What documents are needed for mortgage pre-approval?
Provide recent pay stubs, W-2s, tax returns, and asset statements. Self-employed applicants may need additional documentation. Our team guides you through the process.
Do you offer loans for investment properties?
Yes. We provide conventional and jumbo loans for rental properties, with terms based on your financial profile and property type.
