Business Details
Your Trusted Mortgage Partner in Irvine, CA
Direct Finance is a full-service financing firm dedicated to simplifying the mortgage process for clients. With decades of combined lending experience, our seasoned loan consultants have successfully closed tens of thousands of loan scenarios. We specialize in residential, commercial, mixed-use, multi-family, non-traditional, equity lines, bank statement, and low-documentation loans, offering flexible and creative solutions tailored to diverse financial needs. Our strategic partnerships expand access to loan products for first-time homebuyers and seasoned commercial investors alike. We prioritize transparency, leveraging advanced mortgage origination technology to ensure a seamless closing experience.Committed to community impact, we donate 10% of proceeds to combat homelessness through partnerships like our collaboration with the Salvation Army. Our team's expertise spans conventional, FHA, VA, jumbo, and reverse mortgage loans, with a proven track record of securing competitive rates and exceptional service. We serve clients across California, Washington, and Texas, maintaining an NMLS ID# 1507915 and a 99.9% success rate. Our culture emphasizes ethical values, operational speed, and continuous improvement while fostering growth for both clients and the communities we serve.
Services
Conventional Loan
FHA Loan
VA Loan
Jumbo Loan
Commercial Loan
Small Business Loan
Reverse Mortgage
Fixed Rate Mortgage
Refinance Services
Purchase Financing
Highlights and features
- We have decades of combined lending experience with tens of thousands of closed loan scenarios.
- Our strategic partnerships provide access to diverse loan products for all client types.
- We offer flexible financing solutions for residential, commercial, and non-traditional properties.
- Our team maintains a 99.9% success rate in mortgage closings.
- We donate 10% of proceeds to combat homelessness through community partnerships.
Associations and certifications
- NMLS
What people say
Smooth and fast experience
Amazing service
Competitive rates
Timely communication
Dedicated support
Services
Conventional Loan
Conventional loans offer flexible terms for residential and commercial properties. These mortgages follow standard underwriting guidelines while providing competitive rates for qualified borrowers. Ideal for first-time homebuyers and experienced investors seeking predictable payment structures.
FHA Loan
FHA loans provide accessible financing with lower down payment requirements. Backed by the Federal Housing Administration, these mortgages help first-time buyers achieve homeownership with more lenient credit standards and reduced upfront costs.
VA Loan
VA loans offer exclusive benefits for military service members and veterans. These zero-down-payment mortgages feature competitive rates and no private mortgage insurance requirements, supporting housing needs for qualified individuals and families.
Commercial Loan
Commercial loans support investment in income-generating properties. Tailored solutions for office spaces, retail centers, and industrial facilities with flexible terms matching business financial profiles and growth objectives.
Reverse Mortgage
Reverse mortgages provide retirement income through home equity conversion. Designed for homeowners aged 62+, these loans allow accessing property value without monthly payments while maintaining home ownership.
People
Abe Arnous
Loan Consultant
Abe Arnous brings extensive mortgage expertise with a proven track record of securing competitive rates. Known for exceptional communication and timely service, he specializes in guiding clients through complex loan scenarios with personalized solutions.
Alex Aguillares
Loan Officer
Alex Aguillares delivers professional mortgage services with a focus on transparency. Recognized for fast processing and proactive communication, he helps clients achieve favorable loan terms while maintaining a stress-free experience throughout the transaction.
Andrew Chu
Loan Representative
Andrew Chu combines knowledge with personalized service in mortgage transactions. His approach emphasizes clear explanations and timely execution, consistently earning client appreciation for making complex processes accessible and efficient.
Justin Clark
Mortgage Specialist
Justin Clark offers tailored financing solutions with a commitment to transparency. His client-focused approach includes competitive rate comparisons and streamlined processes, demonstrated through successful closings with improved terms over competing offers.
Carlos Ibarra
Loan Officer
Carlos Ibarra provides dedicated mortgage support with emphasis on responsiveness. Known for clear communication and timely updates, he guides clients through refinancing and purchase transactions while maintaining a personalized approach to financial needs.
Questions
What loan types does Direct Finance offer?
We provide conventional, FHA, VA, jumbo, commercial, small business, reverse mortgage, and non-traditional loans for residential and commercial properties.
How quickly can Direct Finance process a mortgage?
Many transactions close within 14-22 days, with refinance cases completing as fast as one week through our streamlined processing systems.
Do you offer competitive mortgage rates?
Yes, our clients consistently report securing lower rates than traditional banks, with documented cases showing 0.3% better terms than competing offers.
How does Direct Finance support community initiatives?
We donate 10% of proceeds to homelessness prevention programs and partner with organizations like the Salvation Army for meaningful community impact.
What is Direct Finance's success rate?
Our closing success rate stands at 99.9%, supported by experienced loan consultants and strategic partnerships that address complex financing scenarios.
