Mortgage Broker in Garden Grove, Serving All of California
Fast options, straight talk, and a pre-approval that helps you win. Buying your first home or investing in real estate, I'm here to make the process simple from start to finish.
10 years
in the mortgage business
5.0
average review rating
3 languages
English · Spanish · Vietnamese
Licensed
NMLS #1516822 · DRE #02119735
Review rating reflects published client reviews on Google, Yelp and Zillow. Individual results vary.
Why work with a broker instead of a big bank?
A big bank offers you one loan program, theirs. If you don't fit their box, you get a no and you start over somewhere else. A broker shops your loan across dozens of lenders, compares rates and terms side by side, and finds the one that actually fits your situation.
A bank loan officer works for the bank. I work for you. That means I'm not pushing one product. I'm looking at your credit, your income, your goals, and matching you with the right program from the right lender.
Loan programs I offer
Every borrower is different. There's no one-size-fits-all loan. Here are the main programs I work with. Not sure which one fits your situation? Call me and I'll walk you through it in five minutes.
Conventional
The standard choice for buyers with good credit and steady income. Flexible terms and competitive rates.
Conventional requirements and ratesFHA
Government‑backed loans designed for first‑time buyers and those with lower credit scores.
FHA requirements and ratesVA
Exclusive loans for veterans, active military, and eligible spouses—with outstanding benefits.
VA requirements and ratesJumbo
For properties that exceed conventional loan limits. Ideal for luxury homes and high‑cost markets.
Jumbo requirements and ratesDSCR - Debt Service Coverage Ratio
Designed for investors and self-employed borrowers who don't fit traditional qualification criteria.
DSCR - Debt Service Coverage Ratio requirements and ratesBank Statement
Use 12–24 months of bank statements instead of tax returns. Perfect for self‑employed professionals.
Bank Statement requirements and ratesWhy work with The Loan Dude?
I make the mortgage process simple, fast, and transparent—so you can focus on finding your dream home.
Fast Approvals
Same‑day options in many cases. No unnecessary delays.
Competitive Choices
Multiple programs compared side‑by‑side so you pick what fits.
Clear Guidance
Real talk, no jargon. Every option explained in plain English.
Nationwide Lending
Licensed to serve clients across the entire US.
Trusted & Licensed
NMLS licensed, Equal Housing Lender. Your data is always secure.
Always Available
Call, text, or message anytime. I respond fast because timing matters.
How it works
Five simple steps from first call to closing day.
Call or Text
Reach out at (949) 391-7909 or start your app online.
Quick Scenario
Tell me what you need and I will find your best options.
Compare Options
See programs laid out side by side with real numbers.
Get Pre-Approved
Lock your rate and start shopping with confidence.
Smooth Closing
I handle the heavy lifting. You just show up for the keys.
Why Orange County buyers choose to work with me
Orange County moves fast. I live here, I know the local market, and I work with agents, escrow officers, and appraisers across the county. Pick your city to see what buying there actually looks like right now.
"Steven made the whole process smooth and stress-free. He explained every option clearly and got me approved faster than I expected. Highly recommend!"
"As a first-time buyer I was pretty nervous, but Steven walked me through everything step by step. Best decision I made was going with The Loan Dude."
"Competitive rates, fast response, and genuinely cares about finding the right fit. Steven is my go-to loan officer and I've referred him to all my friends."
Frequently asked questions
Quick answers to common mortgage questions.