Get a Quote
California Residential Mortgage · Boutique Lender

Integrity in Lending.

A boutique California mortgage brokerage and direct lender. We shop dozens of banks and lend our own money — so every borrower gets the right fit and the personal attention they deserve.

Spanish revival California home with arched entry and herringbone courtyard
Orange County · CaliforniaNo. 01
Broker + Direct Lender

A unique position: we shop dozens of banks and loan our own money — which means we stay in control of underwriting, processing, and the outcome.

CA
Licensed California-wide
NMLS
#01396133 · BRE #254523
Loan Programs

The right program, matched to the borrower.

Explore all programs
01

Purchase

Buying your home

Conventional, FHA, VA, and jumbo purchase financing across California — with the breadth of a brokerage and the control of a direct lender.

02

Refinance

Lower your rate or term

Rate-and-term refinances tailored to your current position — shop dozens of lenders or use our own money, whichever gets you the better deal.

03

Cash-Out Refinance

Tap home equity

Replace your existing mortgage with a larger one and take the difference in cash — for renovations, debt consolidation, or major expenses.

04

Jumbo

Above conforming limits

Financing for California properties above the conforming loan limit — with boutique underwriting designed for high-income and asset-rich borrowers.

05

FHA / VA

Government-backed options

FHA and VA loans for buyers who need lower down payments or veterans using earned benefits.

06

Non-QM / Bank Statement

For self-employed borrowers

Alternative-documentation loans that qualify on 12 or 24 months of bank statements — built for small-business owners whose tax returns don't tell the full story.

Why Underwood

A small team, deliberately built.

01 — Pillar

Boutique service, big-firm reach

You'll work directly with a small team that knows your file — backed by the product breadth of a national brokerage. No call centers, no handoffs.

02 — Pillar

Broker and direct lender

We shop dozens of lender partners for best pricing and, when it fits, lend our own money in-house. Two levers to pull, one goal: the right outcome for you.

03 — Pillar

California roots, California expertise

Three-plus decades in Orange County's market. We know the neighborhoods, the appraisers, and the quirks that matter when a file needs to close cleanly.

Rick Underwood, founder of Underwood Mortgage Group
Meet Rick

A lender who picks up the phone.

Rick Underwood has spent three decades helping California families finance homes — first as a broker, now as founder of Underwood Mortgage Group. He built this firm on one conviction: borrowers deserve a lender who answers their own phone and tells them the truth.

Whether it's a first-time buyer in Anaheim, a refinance in Yorba Linda, or a self-employed borrower the big banks can't figure out, Rick handles every file personally.

Clients, long-term

Referrals, not transactions.

The level of service from Rick and Underwood Mortgage Group was excellent. He was always professional, timely, and hard working. I would forward family and friends to him.
— Samuel Bitter · Underwood client
I referred my clients over to Rick, and his team took great care of them — held their hands throughout the loan process. I will definitely recommend his services again.
— Linda Weber · Real estate partner
The Underwood Group got my loan done in less than 2 weeks, and closed when Chase was still disorganized after having all of my paperwork for over a month.
— Dorothy Williams · Refinance client

Ready when you are

Let's talk about your loan.

Get a Quote714.779.LOAN