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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!

UP TO 1.20% IN PURCHASE PRICING VALUE + A TEMPORARY RATE BUYDOWN. THAT’S WHERE THE FINANCING GETS INTERESTING.Official M...
10/11/2026

UP TO 1.20% IN PURCHASE PRICING VALUE + A TEMPORARY RATE BUYDOWN. THAT’S WHERE THE FINANCING GETS INTERESTING.

Official Mortgage currently has three purchase-pricing opportunities for qualifying buyers:

• Up to 1.20% True Jumbo lender credit
• Up to 1.00% High-Balance pricing advantage
• Up to 0.90% purchase pricing incentive on eligible Conventional, FHA, VA, USDA and Non-Agency Jumbo purchases

Now add the second piece: an eligible 1-0, 1-1, 2-1 or 3-2-1 temporary rate buydown.

That combination can create a very different first-year payment conversation.

Take the 0.90% purchase incentive on an $800,000 loan:

0.90% = $7,200 in pricing value.

The illustrated cost of a 1-0 buydown is $7,000 on that same $800,000 loan.

So instead of simply telling the buyer, “Rates are what they are,” we can actually structure the financing and show them what their available pricing may do.

Because “here’s your rate, good luck out there” is not exactly a strategy.

Different buyers may want different starts:

1-0: lower introductory payment for Year 1
1-1: support across Years 1 and 2
2-1: larger first-year step-down
3-2-1: the longest runway

Better pricing meets lower introductory payments.

Have a buyer who likes the house but doesn’t love the payment? Send us the scenario before they change the search.

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

Official Mortgage
(888) 563-3137 | [email protected]
officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



Illustrative examples. Pricing incentives and temporary buydown options depend on the individual loan scenario, current pricing and program eligibility. Not all incentives are combinable with each other.

0.90% PURCHASE PRICING INCENTIVE — ON AN $800,000 LOAN, THAT’S $7,200 IN PRICING VALUE.*Now put that number next to the ...
10/11/2026

0.90% PURCHASE PRICING INCENTIVE — ON AN $800,000 LOAN, THAT’S $7,200 IN PRICING VALUE.*

Now put that number next to the temporary buydown options.

On the same $800,000 example:

• 1-0 Buydown: $7,000
• 1-1 Buydown: $12,000
• 2-1 Buydown: $19,000
• 3-2-1 Buydown: $36,000

That means the available 0.90% pricing incentive can be part of the strategy to help cover the cost of an eligible temporary buydown—and in this example, the $7,200 pricing value is enough to cover the illustrated $7,000 cost of the 1-0 structure.

That is where 90 basis points stops looking like mortgage math and starts looking like an actual buyer conversation.

A buyer who likes the house but does not love the first-year payment may have another option besides:

1. lowering the search price,
2. waiting for rates to magically behave, or
3. staring at the payment calculator until morale improves.

We can price the incentive, compare the 1-0, 1-1, 2-1 and 3-2-1 structures, and show what each path could mean for the buyer’s first few years.

Same house. Different way to start.

Eligible new locks are currently available through October 30, 2026.

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

Official Mortgage
(888) 563-3137 | [email protected]
officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



Illustrative $800,000 loan example. Pricing incentive and temporary buydown availability are subject to eligibility, current pricing and program terms. Actual costs and payments may vary.

10/10/2026

2–8 UNIT MIXED-USE INVESTMENT FINANCING — UP TO $2 MILLION.

Apartments upstairs. Business downstairs. Income coming from more than one direction.

Official Mortgage has financing designed for eligible mixed-use investment properties that combine residential units with commercial space under one structure.

Think:

• 2–8 unit mixed-use properties
• Retail storefronts
• Office space
• Restaurant uses
• Residential apartments above or alongside the commercial component
• Financing up to $2,000,000
• 1.00 minimum DSCR

For the right investor, that opens a different kind of acquisition strategy.

Instead of buying a property with one income source, a mixed-use asset can combine residential rent + commercial rent while building equity in the entire property.

One building. Multiple tenants. Multiple income streams.

It’s basically the real-estate version of refusing to put all your eggs in one basket—except the basket has apartments upstairs and a coffee shop downstairs.

For agents and investors, the important part is recognizing that a property with commercial space does not automatically mean the financing conversation ends.

If you have a mixed-use opportunity, send us the property and the numbers.

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

Official Mortgage
(888) 563-3137 | [email protected]
officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



Business-purpose financing for investment properties. Property use, DSCR, loan amount, leverage, borrower eligibility and program availability are subject to underwriting and applicable guidelines. Not all properties or borrowers will qualify.

UP TO 1.20% • 1.00% • 0.90% — THE PERCENTAGE IS ONLY THE START.What matters is what that percentage becomes on your buye...
10/09/2026

UP TO 1.20% • 1.00% • 0.90% — THE PERCENTAGE IS ONLY THE START.

What matters is what that percentage becomes on your buyer’s actual loan amount.

Official Mortgage currently has three purchase-pricing opportunities:

• TRUE JUMBO — up to 1.20% lender credit toward eligible closing costs
• HIGH-BALANCE — up to 1.00% pricing advantage
• CONVENTIONAL • FHA • VA • USDA • NON-AGENCY JUMBO — up to 0.90% purchase-pricing incentive

Now put real dollars behind it:

$3,000,000 True Jumbo × 1.20% = up to $36,000
$1,000,000 High-Balance × 1.00% = up to $10,000
$800,000 eligible purchase loan × 0.90% = up to $7,200

That can change the conversation around cash to close, eligible closing costs, rate costs, and the overall structure of the purchase.

A percentage on a flyer is easy to scroll past.

$36,000 is a little harder to ignore.

So before your buyer decides a property is too expensive, the rate is too high, or the cash-to-close is too heavy, run the financing first. The right pricing opportunity may change what the deal actually looks like.

Send us the buyer scenario. We’ll show you what the numbers can mean.

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

Official Mortgage
(888) 563-3137 | [email protected]
officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



Illustrative examples only. Actual pricing, lender credits, incentives and eligible costs depend on the specific loan scenario, program, borrower/property qualification and current market conditions. Not all borrowers will qualify.

EARLY ACCESS TO INCREASED 2027 CONFORMING LOAN LIMITS — AVAILABLE NOW.You do not have to wait for January to start using...
10/09/2026

EARLY ACCESS TO INCREASED 2027 CONFORMING LOAN LIMITS — AVAILABLE NOW.

You do not have to wait for January to start using more buying power.

Official Mortgage is giving qualifying buyers early access to the increased 2027 conforming loan limits:

• 1-unit: $847,440
• 2-unit: $1,085,059
• 3-unit: $1,311,535
• 4-unit: $1,630,005

That can change the search.

A buyer who was bumping against the old limit may now have more room to stay within conforming financing. A duplex, triplex, or fourplex that felt just outside the box may deserve another look. And buyers who were planning to “wait until next year” may not need to wait at all.

The calendar says 2026. The financing can already be having a 2027 conversation.

Higher limits can mean more property options, more room to structure the purchase, and greater flexibility across 1–4 unit properties.

If your buyer has been shopping near the old conforming limit, send us the scenario. We’ll rerun the numbers with the increased limits and show you what changed.

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

Official Mortgage
(888) 563-3137 | [email protected]
officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



Early-access availability is subject to qualifying loan terms, borrower and property eligibility, underwriting and program guidelines. Not all borrowers will qualify.

NATIONWIDE DSCR. ONE CALL. MORE MARKETS TO BUILD IN.Your next investment property does not have to be in the same city—o...
10/09/2026

NATIONWIDE DSCR. ONE CALL. MORE MARKETS TO BUILD IN.

Your next investment property does not have to be in the same city—or the same state—as the last one.

Official Mortgage offers flexible DSCR financing across most states, giving real estate investors a consistent financing relationship as their portfolios expand.

Current opportunities include:

• Up to 85% LTV
• Eligible scenarios down to 0.75 DSCR
• Loan amounts up to $3.5 million
• Purchase • Refinance • Cash-Out
• 1–8 unit investment property options
• Short-term rental opportunities
• LLC / entity ownership options
• 30- and 40-year structures

Single-family rental in Arizona.
Fourplex in Tennessee.
Multifamily in North Carolina.
Short-term rental in Florida.

Different market. Same objective: find the opportunity, structure the financing, keep moving.

Because your portfolio shouldn’t need a new lender, a new relationship and a 47-email introduction every time it crosses a state line.

Whether you’re buying the next property, refinancing an existing asset, or pulling equity out to help fund another acquisition, send us the deal.

One investor. One financing relationship. More places to grow.

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

Official Mortgage
(888) 563-3137 | [email protected]
officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



DSCR financing is for business-purpose investment properties. Programs and availability vary by state, property and loan scenario. Not all borrowers or properties will qualify.

10/07/2026

UP TO $60,000 IN LENDER CREDIT ON A QUALIFYING $5M TRUE JUMBO PURCHASE.*

That is the kind of number worth discussing before the offer is finalized.

Official Mortgage currently offers up to a 1.20% lender credit on eligible True Jumbo purchase financing.

On a qualifying $5,000,000 loan amount, that can mean:

$5,000,000 × 1.20% = $60,000*
toward eligible closing costs.

True Jumbo financing is designed for larger purchases where the structure matters just as much as the rate.

Current program highlights include:

• True Jumbo loan amounts from $1,249,125 up to $5,000,000*
• Up to 1.20% lender credit*
• Fixed-rate purchase financing
• 680+ qualifying FICO options*
• Financing designed for qualified luxury-home buyers

On a transaction this size, closing costs are not exactly hiding in the couch cushions.

A substantial lender credit may help preserve more of the buyer’s cash, offset eligible costs at closing, and create a stronger overall financing structure.

So before a jumbo buyer focuses only on the rate, look at what the complete financing package can deliver.

Have a luxury buyer looking now? Send us the scenario.

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

Official Mortgage
(888) 563-3137 | [email protected]
officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



Example illustrates the maximum lender-credit opportunity shown. Credit is subject to qualifying loan terms, final pricing, eligible closing costs, borrower/property qualification, underwriting and program availability. Not all borrowers will qualify.

10/06/2026

THREE CURRENT PURCHASE-PRICING OPPORTUNITIES — INCLUDING UP TO $60,000 IN LENDER CREDIT.*

Right now, Official Mortgage has several ways to create more value for purchase buyers:

HIGH-BALANCE
Up to 1.00% pricing advantage*
Maximum example shown: $12,500

CONVENTIONAL • FHA • VA • USDA • NON-AGENCY JUMBO
Up to 0.90% purchase pricing incentive*
On a $5,000,000 loan: $45,000

TRUE JUMBO
Up to 1.20% lender credit*
On a $5,000,000 loan: $60,000

Those are not small numbers.

And when buyers are already focused on rate, payment and cash to close, the available pricing can materially change how the transaction looks.

The rate gets the headline.

The pricing can change the ending.

Because if someone is buying a multi-million-dollar property, leaving tens of thousands of dollars in potential financing value unexplored is a remarkably expensive way to keep things simple.

Have a buyer looking now?

Send us the scenario. We’ll run the numbers and identify the strongest available financing opportunity.

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

Official Mortgage
(888) 563-3137 | [email protected]
officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



Examples illustrate maximum program values. Pricing, credits and program availability depend on the individual loan scenario and current market conditions. Not all borrowers will qualify.

10/02/2026

UP TO 1.20% • 1.00% • 0.90% — THREE CURRENT PURCHASE-PRICING OPPORTUNITIES.

When mortgage rates are above 7%, the rate deserves attention. But it should not get the entire meeting.

Official Mortgage currently has three separate purchase-pricing opportunities for qualifying buyers:

• Up to 1.20% lender credit on eligible True Jumbo purchases
• Up to 1.00% pricing advantage on eligible High-Balance fixed purchases
• Up to 0.90% purchase pricing incentive on eligible Conventional, FHA, VA, USDA and Non-Agency Jumbo purchases

The rate is the headline. The pricing is where the plot can get interesting.

Example: on an eligible $1,475,000 True Jumbo loan, a 1.20% lender credit = up to $17,700 toward eligible closing costs.

That can change the cash-to-close conversation, preserve more of the buyer’s funds, and potentially make a property worth reconsidering before everyone starts deleting saved listings.

Rates over 7% tend to enter the room like they own the place. They don’t.

If your buyer is shopping now, send us the scenario. We’ll determine which current opportunity—if any—fits the transaction.

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

Official Mortgage
(888) 563-3137 | [email protected] | officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



Programs have separate eligibility requirements and are not necessarily combinable. Pricing, lender credits and incentives depend on the specific transaction, borrower qualification, occupancy, LTV, property eligibility, underwriting and program availability. Not all borrowers will qualify.

10/02/2026

THE BUYER MAY NOT NEED A CHEAPER HOUSE. THEY MAY NEED A BETTER FINANCING STRUCTURE.

Official Mortgage currently has three purchase-pricing opportunities that can materially change the conversation for the right buyer:

• Up to 1.20% lender credit on eligible True Jumbo purchases*
• Up to 1.00% pricing advantage on eligible High-Balance purchases*
• Up to 0.90% purchase pricing incentive on eligible Conventional, FHA, VA, USDA and Jumbo purchases*

That matters because when a buyer starts backing away from a property over payment, cash-to-close, or overall financing costs, the answer is not always:

“Let’s lower the search price.”

Sometimes the better move is to restructure the financing first.

For agents, that can mean reopening properties that looked slightly outside the buyer’s comfort zone, strengthening the financing conversation before the offer goes in, and helping the buyer evaluate the complete transaction instead of focusing on one headline number.

Before your buyer dramatically deletes every saved home above their original range and announces they’re moving to a cabin in the woods, send us the scenario.

We’ll determine which current opportunity—if any—fits the transaction.

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

Official Mortgage
(888) 563-3137 | [email protected] | officialmtg.com
DRE 01854033 | NMLS 1016883 | Equal Housing Lender



Programs have separate eligibility requirements and are not necessarily combinable. Maximum benefit, pricing, borrower eligibility, property eligibility, occupancy, LTV and terms depend on the specific transaction and underwriting. Not all borrowers will qualify.

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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