Business Details
17 Years
experience
Your Trusted Mortgage Advisor in Irvine, CA
Dan the Man for Mortgages has been dedicated to empowering borrowers since 2009, offering unparalleled access to over 1,000 lenders nationwide. Founded by Dan Stone, a mortgage industry veteran with decades of experience since 1987, our mission is to act solely as client advocates, not brokers. We specialize in identifying the lowest mortgage rates and fees across conventional, FHA, VA, USDA, and niche programs, including 284 financial assistance options in California. Our proprietary process eliminates the stress of loan shopping by handling lender comparisons, rate negotiations, and documentation coordination.With a proven track record of saving clients an average of $10,000 and guaranteeing satisfaction, we maintain strict independence by refusing lender commissions. Our expertise extends to complex scenarios like self-employed borrowers, investment properties, and hard money loans, supported by 24/7 client communication and post-closing follow-up. Recognized for integrity through charitable partnerships and industry certifications, we combine technical mastery with personalized service to transform mortgage experiences.
Services
Mortgage Loans
Refinancing
First-Time Homebuyer Programs
Investment Properties
Hard Money Loans
Details
- Year established: 2009
Highlights and features
- We save clients an average of $10,000 through competitive lender comparisons
- Our fee structure guarantees no hidden costs or lender commissions
- Specialize in complex loans for self-employed individuals and investors
- 25+ years of mortgage market analysis experience informs rate decisions
- Offer 284 California-specific down payment assistance programs
What people say
Saved .75%
Amazing experience
Highly recommended
Saved $12,000
Seamless process
Services
Mortgage Loans
We provide comprehensive mortgage loan services across conventional, FHA, VA, and USDA programs. Our network of 1,000+ lenders ensures competitive rates for purchase loans up to $5 million. Specialized options include zero-down programs for veterans, rural properties, and medical professionals. Clients benefit from our proprietary rate comparison system and direct lender negotiations.
Refinancing
Our refinancing solutions optimize existing mortgages through rate reduction and cash-out options. We specialize in complex scenarios like jumbo loans up to $5 million and investment property refinancing. Clients receive detailed savings analyses, with average monthly savings of $300-$700. Our process includes lender comparisons and closing cost negotiations.
First-Time Homebuyer Programs
We offer tailored assistance for first-time buyers, including 284 California-specific programs. Services include down payment assistance guidance, 3% down options with no PMI, and educational resources. Our experts navigate local market requirements and connect clients with qualified lenders to maximize savings and approval chances.
Investment Properties
Our investment property loans cover 1-4 unit portfolios up to $2 million. Features include 75% LTV for better rates, cash-out refinancing to $650,000, and specialized programs for real estate professionals. We provide portfolio analysis and lender matching to maximize returns while meeting strict underwriting standards.
Hard Money Loans
We facilitate hard money loans for fix-and-flip projects with terms from 6-24 months. Our network offers up to 85% LTV on purchase and 75% on as-is value. Services include lender vetting, term comparisons, and expedited processing for time-sensitive opportunities, with support for both owner-occupied and investment properties.
People
Dan Stone
Owner, Founder
Dan Stone has specialized in mortgage lending since 1987, founding Mortgage Fee Coach in 2009. He pioneered a client-first model that saves borrowers $10,000+ on average through transparent lender comparisons. A recognized industry expert, he volunteers with Roosters Foundation and holds multiple certifications in mortgage analysis.
Questions
How do you save clients money compared to traditional lenders?
We compare rates from 1,000+ lenders and negotiate fees directly, securing lower rates than single lenders can offer. Our fee structure guarantees no hidden costs or lender commissions.
Can you help if my current lender denied my application?
Yes, we work with non-traditional lenders who specialize in unique cases. Our network includes institutions with flexible underwriting standards while maintaining competitive rates.
What mortgage programs are available for first-time buyers?
We offer 284 California-specific programs including 3% down options with no PMI, USDA zero-down loans, and profession-specific assistance for teachers and healthcare workers.
Do you offer refinancing options for investment properties?
Yes, we provide refinancing solutions for 1-4 unit investment properties up to $2 million with LTV options up to 75% and cash-out refinancing to $650,000.
How do you handle complex mortgage scenarios?
Our expertise covers self-employed borrowers, fix-and-flip projects, and jumbo loans. We utilize specialized bank statement programs and hard money lenders for non-traditional situations.
What areas do you serve?
While based in Irvine, we operate statewide across California with expertise in local market requirements and connections to regional lenders.
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