Summit Home Lending

Summit Home Lending Summit Home Lending is a locally owned and operated direct mortgage lending business that has proudly served California homeowners and buyers for two decades.
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Orange County, California-based Summit Home Lending is a direct mortgage lender, specializing in HELOCs, FHA, VA, Conventional Fixed Rate, and Jumbo mortgage loans for homebuyers and homeowners throughout California. As a direct lender, we call the shots. We have the ability to approve, process, underwrite, and fund your loan quickly. We are not bound by other financial institutions' requirements

to charge borrowers pre-determined fees. On the contrary, we are proud to make quick decisions, answer your questions immediately, and secure the best loans with the best rates available for your specific mortgage needs in California. Summit Home Lending is proud to provide personalized service in the digital age. With all technological capabilities at our fingertips, we also enjoy one-on-one work with our clients, and home buyers and homeowners are welcome in our Huntington Beach, CA headquarters anytime. Summit Home Lending is a locally owned and operated business that has served California homeowners and buyers for two decades. Our focus on exceptional customer service has earned us the support and endorsement of clients, REALTORS®, and affiliate partners throughout the State of California. We are a proud supporter of local Orange County schools, local charitable organizations, and non-profits benefitting children in developing nations. We are proud to appear on KFI Radio’s 'The Patriot Program' and are a 'Homes For Heroes' Affiliate Lender. We invite you to contact us today, to begin the process of obtaining the loan you need to purchase a home, or to discuss money-saving refinance options available in California today.

Being self-employed doesn’t always fit neatly into traditional mortgage guidelines.Business owners may have strong cash ...
09/03/2026

Being self-employed doesn’t always fit neatly into traditional mortgage guidelines.

Business owners may have strong cash flow while legitimate deductions reduce the income shown on their tax returns. There may be other ways to qualify.

👉 Learn more about home equity financing for self-employed homeowners:
https://summitlr.com/self-employed-home-equity-orange-county-guide/

09/01/2026

Thinking about giving your home a fresh new look? 🏡✨

Your home equity could help turn that dream kitchen, backyard, or remodel into reality. 🔨✨

Your home. Your equity. Your possibilities.

Last week’s mortgage rates were fairly calm, until Friday. 📊A speech from Fed Chair Warsh at the Jackson Hole conference...
08/31/2026

Last week’s mortgage rates were fairly calm, until Friday. 📊

A speech from Fed Chair Warsh at the Jackson Hole conference sparked a sharp move, sending rates to their highest point in just over three weeks. Warsh described the economy as strong and signaled the Fed is in no hurry to cut rates.

This week brings a full slate of economic data, capped off by Friday’s jobs report, which could push rates in either direction.

Swipe through for the full breakdown!

Questions about your rate or loan options? We’re always here to help. 🏡


08/28/2026

Smooth, easy, and exactly what our clients deserve! 🌟

Bradley helped find the right home loan for this client’s needs, while Kylie made sure they were never left wondering what came next. This is the Summit Home Lending experience, personalized guidance and clear communication from start to finish.

Thank you for the kind words!


08/27/2026

Nothing means more to us than hearing that our clients felt supported every step of the way. 🏡

A huge thank you to our client for sharing these kind words about Bradley & Kylie. From clear communication to getting the refinance finalized in just 2 weeks, this is exactly the experience our team at Summit Home Lending strives to provide.

Great job, Bradley & Kylie! 👏

Guiding you home, every step of the way.


Thinking about tapping your home equity but not sure whether a HELOC or a home equity loan fits best? The differences go...
08/25/2026

Thinking about tapping your home equity but not sure whether a HELOC or a home equity loan fits best? The differences go beyond just rates and payment timing—draw periods, repayment structure, and how predictable your costs will be can make a real impact on your monthly cash flow. A clear comparison helps you avoid picking the wrong tool for your goals, whether you’re consolidating debt, funding improvements, or planning a major expense. If you want a confident, tailored decision, understanding these key tradeoffs is the place to start.

https://summitlr.com/heloc-versus-home-equity-loan/

Last week’s mortgage rates held fairly steady, settling just above where they started the month. 📊It was an eventful wee...
08/24/2026

Last week’s mortgage rates held fairly steady, settling just above where they started the month. 📊

It was an eventful week: early movement tied to oil and geopolitical headlines, a notable midweek shift after a Treasury bond buyback announcement, and a return to more typical market drivers by Thursday.

This week brings a fuller economic calendar and the Fed’s Jackson Hole conference, including comments from Fed Chair Warsh, always worth watching.

Swipe through for the full breakdown!

Questions about your rate or loan options? We’re always here to help. 🏡


If you’re self-employed, getting a mortgage can feel like a documentation maze—until you know which options actually fit...
08/21/2026

If you’re self-employed, getting a mortgage can feel like a documentation maze—until you know which options actually fit your situation. In this article, we break down mortgage paths for self-employed borrowers and what lenders look for so you can make confident choices about tapping your equity, improving cash flow, or restructuring your loan. It’s a practical guide written for real homeowners, not jargon. When you understand your options, you move forward with clarity—and fewer surprises.

https://summitlr.com/mortgage-options-self-employed-borrowers/

Address

18281 Gothard Street, Ste 203
Huntington Beach, CA
92648

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