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!

08/24/2026

NEW: OFFICIAL MORTGAGE EXPRESS HELOC - eligible HELOCs may fund in as few as 5 days. 🏠⚡

Your kitchen has a plan. Your roof has another plan. The backyard has apparently hired a consultant. Good news: this home equity line of credit can stay ready for what comes next.

Choose a 3- or 5-year draw period, then select a 10-, 15-, 20-, or 30-year term. Apply 100% online, with no bank visit. Up to 100% of the available line may be accessed with the initial draw, and later redraws can start at $500 during the draw period.

Program highlights:
• Loan options from $25,000 to $750,000
• Up to 90% combined loan-to-value (CLTV)
• FICO options down to 600
• First-, second-, and select third-lien options
• AVM valuation for qualifying loan amounts up to $400,000; full appraisal above $400,000
• No prepayment penalty
• Primary residence, second-home, and investment-property options

Illustrative example: A California homeowner is approved for a $187,500 HELOC on a primary residence, chooses a 5-year draw period and a 20-year term, then accesses $90,000 for phase one and $15,000 later for phase two. Before payments, interest, fees, or other activity, $82,500 of the line remains unused for what may come next. Simple math. Dramatic blueprint. No emergency meeting with the backsplash.

Use home equity for renovations, debt consolidation, major expenses, or plans that develop over time - while keeping the existing first mortgage when the HELOC is placed in a subordinate lien position.

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

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

Illustration only; not a quote or commitment to lend. Eligibility, available line, CLTV, credit, lien position, valuation, draw access, terms, property type, state restrictions, and funding time vary. Subject to underwriting, verification, program requirements, and change.

08/22/2026

🔥 NO PREPAYMENT PENALTY ON THE OFFICIAL MORTGAGE EXPRESS HELOC.

Plans change. Properties sell. Refinancing opportunities appear. Sometimes a homeowner simply decides to pay the balance early and move on with the rest of the financial movie.

With no prepayment penalty, an eligible borrower can pay off the HELOC before the scheduled end of the term without a separate lender-imposed penalty for leaving early. Principal, accrued interest and any other amounts due under the loan documents still apply. The popcorn remains your responsibility.

Program features can include:
• HELOC options from $25,000 to $750,000
• 100% online application
• Eligible funding in as few as 5 days
• 3- or 5-year draw-period options
• 10-, 15-, 20- or 30-year term options
• First-, second- and select third-lien scenarios
• No prepayment penalty

Example — illustrative early-payoff scenario:
Original approved HELOC: $173,500
Outstanding principal at payoff: $128,400
Prepayment penalty added: $0

Illustrative payoff: $128,400 principal + accrued interest and other amounts due + $0 prepayment penalty

The borrower would still pay the $128,400 outstanding principal, accrued interest and any other amounts due under the final loan terms—but no additional prepayment penalty is added simply because the HELOC is paid off early.

You can leave before the credits. No dramatic theater lock-in. No surprise sequel called “The Exit Fee Returns.”

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

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

Illustrative example only. Approval, line amount, draw period, term, payoff amount and all other loan terms depend on credit, income, equity, property, lien position and program eligibility. Review final loan documents for amounts due at payoff. Not a commitment to lend.

08/19/2026

🚨 LOWER THE PAYMENT. NOT THE OFFER.

Official Mortgage’s limited-time 1-0 Buydown Incentive can give eligible homebuyers a lower mortgage payment for the first 12 months—while reducing the amount needed to create the buydown.

Translation: your buyer may not have to walk into negotiations asking the seller to carry the entire financial piano up the stairs.

Here’s a real-number example of how a 1-0 temporary buydown works:

🏡 Purchase Price: $1,000,000
💰 10% Down: $100,000
📄 Loan Amount: $900,000
📈 Note Rate: 5.999%
📋 APR: 6.094%
📉 Year-1 Payment Rate: 4.999%

Estimated Principal & Interest:

Years 2–30: ≈ $5,395/mo
Year 1: ≈ $4,825/mo

That’s approximately $570 LESS per month during the first year—or about $6,840 of first-year P&I payment relief.

The permanent note rate does not become 4.999%. With a 1-0 temporary buydown, the first 12 payments are calculated using a rate 1 percentage point below the note rate. Beginning in year two, payments are based on the full note rate.

And here’s where the promotion matters:

Official Mortgage reduces most of the cost required to create the 1-0 buydown on eligible purchases.

For buyers, that can mean meaningful first-year breathing room.

For agents, it creates another way to address payment concerns while preserving more negotiating flexibility instead of automatically turning to a larger seller contribution or changing the offer.

Lower payment. Stronger purchase strategy. Everybody gets to keep their shirt on.

Go to officialmtg.com → Rates to view real-time pricing and create an account to get started.

Official Mortgage | Serving California since 2008 | Over $500M funded
DRE 01854033 | NMLS 1016883 | Beverly Hills, CA
(888) 563-3137 | [email protected]

Illustrative example only. Principal and interest only; taxes, insurance, mortgage insurance, HOA dues and other charges, if applicable, are not included. Actual rates, APR, payments, buydown costs and eligibility vary by scenario and current pricing. Subject to underwriting and lender guidelines. Not a commitment to lend.

08/18/2026

PROMO: Eligible DSCR scenarios down to 0.75.
If your investor likes the property, a tight cash-flow deal may still be worth a closer look.

Here’s the plain-English version:
DSCR = rent ÷ PITIA (principal, interest, taxes, insurance, and association dues if applicable).

Illustrative example:
Mia is buying an $825,000 investment property.
Proposed loan: $660,000
Monthly rent: $4,000
Monthly PITIA: $5,333
$4,000 ÷ $5,333 = 0.75 DSCR

Meaning? The rent doesn’t fully cover the payment.
Some lenders act like the deal just insulted their family.
But eligible scenarios like this may still be reviewable.

That’s why the message in this post is simple:
Before the deal dies… review it.

Official Mortgage’s broader DSCR options can also include:
✔ Up to 85% LTV on eligible purchases
✔ Eligible scenarios down to 0.75 DSCR
✔ Up to $3.5M loan amounts on eligible scenarios

If you have an investor buyer and the numbers look tight, send the scenario before walking away.

Go to officialmtg.com → Rates

Official Mortgage | DRE 01854033 | NMLS 1016883

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

08/15/2026

RIVERSIDE COUNTY BUYERS: UP TO 1.20% OF THE LOAN AMOUNT IN LENDER CREDIT ON QUALIFYING JUMBO PURCHASES.

That can turn into five figures toward eligible closing costs pretty quickly.

Here’s a real-world example:

Anthony and Lauren negotiate a Riverside County home to $1,150,000 and put 20% down.

🏡 Purchase price: $1,150,000
💰 Down payment: $230,000
🏦 Loan amount: $920,000
🔥 Up to 1.20% lender credit: $11,040

Potentially $11,040 toward eligible closing costs instead of automatically bringing those dollars from savings.

Anthony and Lauren are already bringing $230,000 to the down-payment party. Their checking account does not need to volunteer for every shift.

Why are we highlighting Riverside County?

Its 2026 one-unit conforming limit is $832,750, creating an opportunity for jumbo purchase financing at loan amounts that may surprise buyers—and potentially bringing this lender credit into the conversation sooner.

So before negotiating every last dollar of the purchase, check what the financing can bring to the table.

Have a Riverside County buyer? Send us the purchase price, down payment and estimated loan amount. We’ll run the scenario.

Official Mortgage | DRE 01854033 | NMLS 1016883 | Beverly Hills, CA | (888) 563-3137 | [email protected]

Illustrative scenario. Up-to-1.20% lender credit subject to qualifying loan program, available pricing, borrower qualification, sufficient eligible closing costs and scenario review.

08/13/2026

DSCR DEALS — KNOW THE FINANCING BEFORE THE OFFER GOES IN.

For investor buyers, the right structure can change how aggressively they can move on a property.

Take Marcus, an experienced investor looking at a $925,000 rental property.

On an eligible 85% LTV purchase scenario:

Purchase price: $925,000
Potential loan: $786,250
Down payment: $138,750

Instead of automatically putting 20% down — $185,000 — Marcus could potentially keep $46,250 more capital available for reserves, improvements, or the next opportunity.

And DSCR gives us more than one financing lane.

Depending on the complete scenario, our investor options can include:

• Purchase financing up to 85% LTV
• Eligible scenarios with DSCR below 1.00
• Loan amounts up to $3.5M
• 30- and 40-year structures
• Investment properties held in eligible business entities

A DSCR loan looks primarily at the investment property’s rental cash flow rather than requiring the traditional employment and personal-income qualification used on many conventional mortgages.

That matters when your buyer is self-employed, owns multiple businesses, takes aggressive tax deductions, or simply wants financing designed around the investment itself.

The goal isn’t for the agent to memorize a DSCR matrix.

Send us the property and the buyer scenario before the offer goes in. We’ll identify the financing lane.

officialmtg.com → Rates

Program features shown represent different eligible scenarios and may not be combined in one transaction. Qualification, LTV, DSCR, loan amount, property type, credit, reserves and state availability apply. DSCR financing is for business-purpose investment properties only.

Official Mortgage | DRE 01854033 | NMLS 1016883

08/12/2026

ACCESS UP TO $500,000—WITHOUT REFINANCING YOUR FIRST MORTGAGE.

Official Mortgage now offers fixed-rate second-mortgage financing for qualified property owners who want to put existing equity to work while leaving their current first mortgage in place.

That is the opportunity behind this image: an investor does not always need to sell a rental or replace its entire first loan to create capital for the next move. A separate second mortgage can convert a portion of the property’s equity into cash with a fixed rate, fixed monthly payment, and fully amortizing term.

Here’s one example:

• Rental property value: $1,200,000
• Existing first mortgage: $480,000
• New fixed-rate second mortgage: $300,000
• Combined mortgage debt: $780,000
• Combined loan-to-value: 65%
• Gross cash-out: $300,000 before closing costs

The original $480,000 first mortgage is not paid off or replaced. The new $300,000 loan sits behind it as a separate second mortgage. The investor can then use the available proceeds for a future acquisition, property improvements, or another eligible investment objective.

Program highlights:

• Loan amounts from $50,000 to $500,000
• Fixed terms of 10, 15, 20, 25, or 30 years
• Minimum 680 FICO
• Investment properties up to 75% combined LTV with standard documentation
• Investment properties up to 70% combined LTV with alternative documentation
• 12- or 24-month personal and business bank-statement options
• Primary residences and second homes also eligible
• No reserves required

Maximum financing depends on property value, the existing first-mortgage balance, credit profile, occupancy, loan amount, property type, and income-documentation method. Condominiums are limited to 80% combined LTV. Rural properties are not eligible.

Want to see how much equity your property may support? Visit officialmtg.com → Rates or call (888) 563-3137.

Official Mortgage | DRE 01854033 | NMLS 1016883 | Equal Housing Lender

08/11/2026

DOCTOR LOANS ARE NOW AVAILABLE THROUGH OFFICIAL MORTGAGE.

A specialized home financing option for eligible medical professionals buying or refinancing a primary residence.

Qualified Doctor Loan borrowers can receive:

✔ Up to 100% financing
✔ No mortgage insurance required
✔ Loan amounts up to $2,000,000
✔ Minimum FICO 680
✔ Fixed and adjustable-rate options
✔ More flexible student loan treatment for eligible residents and fellows

Here’s what the financing advantage can look like:

Dr. Jordan is purchasing a $1,250,000 primary residence.

At 100% financing:

Purchase price: $1,250,000
Loan amount: $1,250,000
Down payment: $0
Monthly mortgage insurance: $0

If Dr. Jordan otherwise planned to put 10% down, that is $125,000 that can remain available for reserves, relocation, furnishing the home, family expenses, or other priorities.

Doctor Loans are available to eligible medical doctors, osteopathic doctors, dentists, pharmacists, veterinarians, podiatrists, qualifying CRNAs, residents, fellows, and interns.

For eligible residents and fellows qualifying with residency or fellowship income, certain student loans in deferment, forbearance, or reporting $0 under an income-driven repayment plan can be excluded from the monthly debt calculation when program requirements are met.

Medical professional buying a home? Send the scenario to Official Mortgage for review.

officialmtg.com
(888) 563-3137

Illustrative example. Subject to borrower approval, eligibility, credit, income, assets, property requirements, documentation, and program guidelines.

08/04/2026

DOCTOR LOANS ARE NOW AVAILABLE THROUGH OFFICIAL MORTGAGE.

Eligible medical professionals can purchase or refinance a primary residence with:

✔ Up to 100% financing
✔ No mortgage insurance required
✔ Loan amounts up to $2,000,000
✔ Minimum FICO 680
✔ Fixed and adjustable-rate options
✔ More flexible student loan considerations

Here’s a simple example:

Dr. Maya is purchasing a $1,100,000 home.

With 100% financing:

Purchase price: $1,100,000
Loan amount: $1,100,000
Down payment: $0
Monthly mortgage insurance: $0

Compared with choosing to put 10% down, Dr. Maya keeps $110,000 available for reserves, relocation, furnishing the home, family expenses, or building her practice.

The program is available to eligible medical doctors, osteopathic doctors, dentists, pharmacists, veterinarians, podiatrists, CRNAs with qualifying doctoral degrees, and eligible residents, fellows, and interns.

For qualifying residents and fellows, certain student loans in deferment, forbearance, or reporting a $0 payment under an income-driven repayment plan can receive more flexible treatment when residency or fellowship income is used to qualify.

The visual says it best: stay focused on healing. We’ll help handle the home.

Buying a primary residence or exploring a rate-and-term refinance? Send the scenario to Official Mortgage.

officialmtg.com
(888) 563-3137

Illustrative example. Subject to borrower approval, eligibility, credit, income, assets, property review, and program guidelines.

08/04/2026

PRIVATE ADU BUILD FUNDING: $250K–$4M.

Your equity built the opportunity. Now let it build the ADU.

Official Mortgage offers private, business-purpose financing designed to help equity-rich California homeowners turn existing property equity into ADU construction capital.

✔ Stated income and stated assets
✔ No minimum FICO requirement
✔ No debt-to-income or rental-coverage requirement
✔ Zero lender-controlled construction draws
✔ No cash-out holdbacks
✔ First and subordinate-lien options
✔ Financing from $250,000 to $4 million

The loan is underwritten using the property’s current, as-is value. On approved loans, available net proceeds are released at closing after applicable payoffs and costs—giving the borrower direct control over contractor deposits, materials and construction payments.

Have substantial equity and an ADU plan? DM “ADU.”

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

Business-purpose financing only. Subject to underwriting and approval. Not a commitment to lend.

Official Mortgage | DRE 01854033 | NMLS 1016883
(888) 563-3137 | [email protected]

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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