From first-time purchases to non-QM bank-statement loans, Underwood Mortgage Group matches California borrowers to the programs that actually fit.
Conventional, FHA, VA, and jumbo purchase financing across California — with the breadth of a brokerage and the control of a direct lender.
First-time buyers, move-up buyers, and second-home purchases in California.
Rate-and-term refinances tailored to your current position — shop dozens of lenders or use our own money, whichever gets you the better deal.
Existing homeowners looking to reduce payment, shorten term, or remove PMI.
Replace your existing mortgage with a larger one and take the difference in cash — for renovations, debt consolidation, or major expenses.
Homeowners with built-up equity who need flexible access to capital.
Financing for California properties above the conforming loan limit — with boutique underwriting designed for high-income and asset-rich borrowers.
Buyers and owners of higher-value California homes.
FHA and VA loans for buyers who need lower down payments or veterans using earned benefits.
First-time buyers, lower-down-payment borrowers, and eligible veterans.
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.
Self-employed borrowers, 1099 earners, and business owners.
DSCR and conventional investment-property financing across California — for long-term rentals, second homes, and portfolio growth.
Real estate investors and second-home buyers.
Estimates only. Taxes, insurance, and PMI vary by property and program. Contact Rick for an accurate loan estimate.
Ready when you are
