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Let our amazing experts help you refinance or purchase the home of your dreams!

No hidden fees.  No obligation.

No up-front costs.

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Specializing in Home Loans Since 2009

Prepare For Your Most Effortless Home Loan Experience Ever


Regardless if your needs include a home purchase, home loan refinance, finding the best debt consolidation loan, or working through credit problems, needing cash for any reason is our specialty.

Refinancing a Home Loan


Looking to refinance with the best rate and term with no gimmicks, salesman pitch, haggle or hassle? We have just the program for you.  Ask about our BEST RATE GUARANTEE. Need cash out of your property in a hurry but don't have much time?  We can have your loan funded in as little as 14 days!

Debt Consolidation Loans and Programs


Think you don't qualify?  Think again! Our programs our designed for borrowers with a wide range of credit situations including previous late payments, bankruptcies, even income verification challenges . If you believe a  debt consolidation loan will assist to reduce your bills contact us for a free consultation.

Turned Down By Another Lender?


Its never a fun thing to hear "no," but it happens to most of us at some point in our lives. Don't give up just yet; it's very common for us to speak with a client who has been under served or overlooked and actually DOES QUALIFY.  Without giving away all our secrets, we have a wider range of programs that are far more flexible when it comes to credit, income, and employment. Finally, we always offer you ALL the options you qualify for; it's up to you to decide what loan makes sense; we will never overlook an option. We are also able to get real time data on comps, pending sales, and up to the minute information to understand your home's potential value, unlocking the exact opportunity you were looking for.

Your Credit Score Will NOT Be The Only Thing Considered, Ever!


Hometown Loans understands that life happens to everyone. We make sure we understand each client's unique circumstances and background. We encourage any borrowers who have been turned down in the past because of their credit score to consider Hometown Loans regardless of what they were told. Our programs may not even require a credit score, and in many cases we are able to assist you in improving your credit score to qualify for the exact loan you are looking for.  



Did you receive an offer in the mail from us?  

We believe you will love the details of the offer we have put together. Contact us now to receive a written outline of our program details in just five minutes.     

(877) 783 5068

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Jacques L.

The refinance process with Hometown Loans was super simple. I had tried to refinance my home with 2 other lenders and getting feedback, locking interest rates and overall service was puzzling. My experience with **** and ******* at Hometown was the complete opposite. From the start **** laid out clearly what the process would look like and ******* was on top of any questions I had along the way. They wrapped up the process quickly and without stress. Highly recommend!!


Kat S.

The fine people that handled my home re-fi were great. Weston, Mike, and Shannon were always available to answer any questions, and did it all in an efficient and and friendly way, the process was done almost entirely electronically and was completed in about 3 weekss. This was a HUGE decision for me. Now it's done and I'm very grateful for their assistance. I would recommend Hometown Loans, Ladera Ranch Home Loans without reservation!

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See What People Are Saying

Chris D.

Great experience Very helpful answering all my questions Definitely recommend working with Mike and Mike and the entire team. Hometown loans is definitely a hometown feel!.


Stephanie D.

We worked with Lisa and Tara and could not be happier! As first time home buyers in this market, we were overwhelmed, to say the least. Lisa gently, and quickly, walked me through mortgage lending after hours and bent over backwards to get our loan funded and close escrow in 14 days! She was an absolute rockstar!



Kristin V.

We just had the best experience with Hometown Loans. We are self employed and haven't been able to refinance since Covid hit. They told me the first day what our new rate would be and it never changed. We got the loan we were told we were going to get and had a wonderful experience working with everyone. Even checked to see if we could get cheaper rates from other companies during the approval process and there wasn't another company who could give us the rate that we ended up with. Most other companies interest rate was 1% higher for our loan, so we were so thrilled when this loan was signed, sealed and delivered.


Lydia C.

Mike Jarvis, Mike Plaia, and Shannon Jarvis were all a delight to work with. I am a recent homebuyer and this was my first time refinancing. I felt like I was asking all sorts of dumb questions, but the Hometown Loans team were all incredibly patient, kind, understanding and answered all of my questions. They made the process easy. The team was very responsive, whether it was by phone call, email, or text - I always felt that someone on the team was close by and available to help. Of course, getting a GREAT interest rate and saving money was also a huge plus to working with this team. I highly recommend Hometown Loans, and will definitely use them again in the future.

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Calculate Your Payment

We put everything right where you want it, one call away.

Hometown Loans offers unique one of a kind solutions to simply your home loan process.

  • Too busy to talk?  Text your loan officer or processor anytime!

  • In a hurry to close?  Ask about our 14-day Closing Guarantee!

  • Monitor your FICO® score free. Need to repair or improve your credit score? We have solutions too! 

  • We help create homeownership regardless of your credit. Curious if you qualify? It's ok to look and know even if you aren't quite ready.  Call now!


Refinancing can be a very is a simple process when you are working with an experienced company. 


With over 20 years of experience in mortgage loans you can rely on Hometown Loans to be in your corner each step of the way. From the start of your application through closing we pride ourselves in a first class experience for each borrower.

We understand how the process may be confusing or seem like a daunting task for some, however we have made the refinancing process simple.  Ask about our 14 day closing Guarantee!

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What type of loan program are you interested in? 

Your loan shouldn't be one size fits all. It should be the one size that fits you.

Found the home of your dreams and having trouble qualifying or not sure you will? Curious about different types of home loans products? Not sure if you are ready to apply for a loan?  We get it, there is so much confusing information out there we wanted to have a straight forward approach to our service with no hype, gimmicks, haggle, hassles or salesman.  Whether you are looking to buy or refinance our expert staff members are excited to assist you achieve your dream.

Home Purchase Loans

Learn More About Purchasing a New Family Home

Home Refinance Loans

Learn More About Refinancing Your Home at a Lower Rate

Home Cash-Out Loans

Need Cash? Have a Family Emergency? Want to do Home Improvements?



Learn More About Federal

Home Loans



We help Veterans and Their 

Families Everyday

NO Income Verification Loans

Learn More About No Income Verification Home Loans

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Fill out the form below to get a head start! One of our experienced and knowledgeable loan experts will get back you right away.   

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We'd love to hear from you!

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