Official Mortgage

Official Mortgage Official Mortgage is a licensed mortgage broker established in 2008. Call us today or visit us online https://www.officialmtg.com Established in 2008. Why wait?

Serving homeowners and homebuyers with a wide variety of home loan products and great service. Since its founding in 2008, Official Mortgage has held high standards of excellence and innovation. Official Mortgage goal is to provide the best customer service in the industry, and offer a wide variety of mortgage options to meet the ever-changing needs of borrowers. Official Mortgage primary focus is

to provide comprehensive, cost-effective, and professional mortgage services for borrowers when they are purchasing a new home, refinancing, or purchasing investment properties. Official Mortgage is committed to member service and strives to provide value during the loan process. Fortunately, at Official Mortgage our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism, and consideration we give to each of our clients make getting your loan a successful endeavor. Give us a call today at (888) 563-3137 for a free, personalized consultation. You can also apply online. It is fast, secure, and easy. Let us go to work for you!

Still qualifying investment properties through personal income?There may be another path.DSCR (Debt Service Coverage Rat...
05/26/2026

Still qualifying investment properties through personal income?

There may be another path.

DSCR (Debt Service Coverage Ratio) financing focuses on the property’s rental income — not the borrower’s W2 income — to determine whether the deal can support itself.

This matters for investors who care about:

✔ Leverage
✔ Keeping liquidity
✔ Scaling faster
✔ Entity ownership (LLC eligible)
✔ Not hurting personal DTI
✔ Keeping borrowing capacity available

With eligible DSCR purchase scenarios, Official Mortgage offers:

• Up to 85% LTV
• Eligible scenarios down to 0.75 DSCR
• No personal income qualification on eligible scenarios
• Purchase + Rate/Term + Cash-Out options
• Up to 20 financed properties
• Up to $3.5M loan amounts on eligible scenarios
• Does not report to personal credit unless delinquent

Swipe through to understand how DSCR works and why many investors use it to grow portfolios.

Buying your next investment property?
Go to officialmtg.com → Rates

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Official Mortgage | DRE 01854033 | NMLS 1016883
9100 Wilshire Blvd, Ste. 725, Beverly Hills, CA 90212 | (888) 563-3137

DSCR loans are business-purpose loans for investment properties only. Not all products are available in all states. Guidelines and availability subject to change.

Official Mortgage is applying a 1.20% lender credit on eligible jumbo purchase loan submissions.That can mean real money...
05/26/2026

Official Mortgage is applying a 1.20% lender credit on eligible jumbo purchase loan submissions.

That can mean real money toward eligible upfront costs:

$1.25M loan = $15,000 credit
$1.6M loan = $19,200 credit
$2.5M loan = $30,000 credit
$3.5M loan = $42,000 credit
$5M loan = $60,000 credit

The goal is simple: help qualified jumbo buyers reduce eligible closing costs and prepaid items so the deal can move cleaner.

Agents — before your buyer asks the seller for help, let’s review the numbers.

DM JUMBO or visit officialmtg.com
(888) 563-3137

Official Mortgage | DRE 01854033 | NMLS 1016883

VantageScore 4.0 is now available through Official Mortgage.Here’s why that matters:A borrower’s credit file is not alwa...
05/23/2026

VantageScore 4.0 is now available through Official Mortgage.

Here’s why that matters:

A borrower’s credit file is not always fully explained by one score model.

VantageScore 4.0 gives Official Mortgage another credit model that can help review eligible mortgage files, qualify borrowers, and evaluate pricing options.

It can be especially useful when a borrower has:

• Limited traditional credit history
• A thinner credit file
• Recent credit improvement
• Rent, utility, or phone payment history that may help show responsible monthly payment behavior
• A file that deserves more review before being dismissed

VantageScore 4.0 can look at credit behavior over time, including whether balances are improving, payments are being managed, and the borrower’s profile is trending in the right direction.

Through Official Mortgage, a Free Credit Report can include both:

FICO
and
VantageScore 4.0

That means one credit report can give us more visibility before deciding the next move.

This does not mean every borrower automatically qualifies. Eligible loan options, credit findings, program requirements, and underwriting guidelines still apply.

But it does mean some borrowers may have more opportunity than they realized.

Agents: forward this to a buyer with credit questions.

Borrowers: email [email protected] or call (888) 563-3137 to request a Free Credit Report.

DM “SCORE” if you want us to review a scenario.

Official Mortgage is applying a 1.20% lender credit on eligible jumbo purchase loan submissions.That means real credit t...
05/20/2026

Official Mortgage is applying a 1.20% lender credit on eligible jumbo purchase loan submissions.

That means real credit tied directly to the loan amount:

* $1,250,000 loan = $15,000 credit
* $1,600,000 loan = $19,200 credit
* $2,500,000 loan = $30,000 credit
* $3,500,000 loan = $42,000 credit
* $5,000,000 loan = $60,000 credit

For agents, this matters because the credit can help reduce eligible closing costs and prepaid items, which may help your buyer:

✔ reduce cash-to-close
✔ preserve more liquidity
✔ ask the seller for less help
✔ present a cleaner financing picture

This is especially important on jumbo deals, where upfront costs can get big fast.

A temporary buydown is separate from this.
This 1.20% lender credit is not cash back to the borrower and is applied toward eligible costs based on the final loan structure.

If you have a jumbo purchase scenario, send it over and let’s review the numbers.

DM JUMBO
officialmtg.com
(888) 563-3137

Official Mortgage | DRE 01854033 | NMLS 1016883

Compliance: Eligible jumbo purchase loan submissions only. Subject to borrower approval, product eligibility, underwriting, loan terms, pricing availability, and program guidelines. Lender credit applies toward eligible closing costs and prepaid items and is not cash back to the borrower. Guidelines and pricing subject to change.

05/20/2026

OFFICIAL MORTGAGE IS OFFERING A FREE 1-0 LENDER-PAID BUYDOWN ON QUALIFYING CONVENTIONAL AGENCY PURCHASE LOANS.

That means qualified buyers get first-year payment relief without asking the seller to pay for the buydown.

This matters because a lot of buyers are not walking away from homes because they do not like the property.

They are walking away because the monthly payment feels tight.

A Free 1-0 Lender-Paid Buydown helps soften the first year of homeownership while the buyer still qualifies at the full note rate.

Here is what that can look like:

Example scenario:
$800,000 loan amount
6.500% note rate
5.500% year-one buydown structure
30-year fixed example

Estimated full note-rate P&I:
$5,056.54/month

Estimated year-one buydown P&I:
$4,542.31/month

Estimated monthly relief:
$514.23/month

Estimated first-year relief:
$6,170.79

That is real breathing room.

That can help the buyer handle moving costs, furniture, repairs, reserves, and the normal expenses that show up right after closing.

For agents, this gives you a cleaner way to keep buyers engaged without immediately turning the offer into a seller-concession request.

The buyer gets payment relief.
The seller does not have to fund the buydown.
The offer stays cleaner.
The borrower still qualifies at the full note rate.

Program details:

Qualifying conventional agency purchase loans
Fixed-rate + ARM options
8–30 year terms
– June 30, 2026

Go to officialmtg.com and click Rates to view real-time pricing, or create an account to begin the application.

Official Mortgage | DRE 01854033 | NMLS 1016883 | 9100 Wilshire Blvd, Ste. 725, Beverly Hills 90212 | (888) 563-3137 | [email protected]

Official Mortgage can run a free property value report for agents and brokers.Before your seller guesses the price…Befor...
05/19/2026

Official Mortgage can run a free property value report for agents and brokers.

Before your seller guesses the price…
Before your buyer writes the offer…
Before your past client asks about cash-out…
Before your investor wastes time on the wrong deal…

Send us the property address and we’ll send back an early value report powered by HouseCanary.

The report may help review:

Estimated property value
Comparable sales
Property details
Market data
Rental value direction when available
Rental comps when available

Use it for listing prep, offer review, refinance equity checks, cash-out conversations, investor property screening, and rental-income conversations.

This is not an appraisal and does not replace lender-required valuation. Rental estimates are for early screening only and are not a guarantee of qualifying income.

DM VALUE + the property address.

Official Mortgage | DRE 01854033 | NMLS 1016883 | 9100 Wilshire Blvd, Ste. 725, Beverly Hills 90212 | (888) 563-3137 | [email protected]

CalHFA MyHome is available now for eligible California buyers.For agents working with first-time homebuyers, this progra...
05/19/2026

CalHFA MyHome is available now for eligible California buyers.

For agents working with first-time homebuyers, this program can help cover down payment and allowable closing costs through a deferred, repayable second mortgage paired with a CalHFA first mortgage. It is available on eligible Conventional (DU only), FHA, VA, and USDA options. MyHome can provide up to 3% on Conventional, USDA, and VA, and up to 3.5% on FHA, based on the lower of the purchase price or appraised value. Buyers must be purchasing a California primary residence, meet county income limits, and complete homebuyer education.

This carousel also shows a Riverside County example to illustrate how the numbers can work. County income limits vary by location. Example current limits in the uploaded chart include Los Angeles $211,000, Orange $270,000, Riverside $205,000, San Diego $258,000, San Bernardino $205,000, and Sacramento $239,000.

Go to officialmtg.com and click Rates to view real-time pricing; users can also create an account there to begin the application.

Official Mortgage | DRE 01854033 | NMLS 1016883 | 9100 Wilshire Blvd, Ste. 725, Beverly Hills 90212 | (888) 563-3137 | [email protected]

Realtors: have investor clients who don’t fit conventional financing?Official Mortgage helps real estate agents finance ...
05/18/2026

Realtors: have investor clients who don’t fit conventional financing?

Official Mortgage helps real estate agents finance investment-property buyers through DSCR loan options.

DSCR focuses on the property’s rental income — not the borrower’s personal income — to determine whether the deal can support the loan.

Here’s a simple example:

Investment Property: 4-unit purchase
Purchase Price: $1,200,000
Estimated Rent: $7,200/mo
Estimated PITIA: $6,000/mo
Estimated DSCR: 1.20

That means the property income supports the financing.

For investor-heavy pipelines, this can help with scenarios involving:

✔ LLC closings
✔ Long-term rental and short-term rental options
✔ Purchase, rate/term, and cash-out options
✔ Up to 85% LTV on eligible purchase scenarios
✔ Up to 20 financed properties on eligible scenarios
✔ Up to $3M+ loan amounts on eligible scenarios
✔ No personal income qualification on eligible DSCR files

Working with investor clients?

Send them to Official Mortgage.

Go to officialmtg.com → Rates

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Official Mortgage | DRE 01854033 | NMLS 1016883
9100 Wilshire Blvd, Ste. 725, Beverly Hills, CA 90212 | (888) 563-3137

DSCR loans are business-purpose loans for investment properties only. Not all products are available in all states. Guidelines and availability subject to change.

Official Mortgage is applying a 1.20% lender credit on eligible jumbo loan submissions.That’s the promo. That’s the math...
05/16/2026

Official Mortgage is applying a 1.20% lender credit on eligible jumbo loan submissions.

That’s the promo. That’s the math. That’s the part your jumbo buyer’s current lender needs to answer for.

Real numbers:

$1,250,000 loan = $15,000 lender credit
$1,600,000 loan = $19,200 lender credit
$2,500,000 loan = $30,000 lender credit
$3,500,000 loan = $42,000 lender credit
$5,000,000 loan = $60,000 lender credit

Toward eligible closing costs and prepaid items.

So here’s the move:

Before your buyer asks the seller for concessions…
Before they walk into a retail bank because “that’s who they bank with”…
Before everyone starts acting like extra cash-to-close is just part of the game…

Ask one question:

Can their current jumbo lender offer a lender credit equal to 1.20% of the loan amount?

If yes, great.
If no… why not?

That’s not a trick question. That’s just math wearing a suit.

Cleaner offer.
Less seller-credit pressure.
More buyer liquidity preserved.
Stronger transaction structure.

And for the agents in the back: the rate matters, but the full structure matters more.

Have a jumbo buyer? Let’s review the numbers before they make a move.

DM JUMBO
officialmtg.com
(888) 563-3137

Official Mortgage | DRE 01854033 | NMLS 1016883 | 9100 Wilshire Blvd, Ste. 725, Beverly Hills, CA 90212

Eligible jumbo loan submissions only. Subject to borrower approval, product eligibility, underwriting, loan terms, pricing availability, and program guidelines. Lender credit applies toward eligible closing costs and prepaid items and is not cash back to the borrower. Guidelines and pricing subject to change.

Address

9100 Wilshire Boulevard Ste. 725 E
Beverly Hills, CA
90212

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+12137232546

Website

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