top of page
Our Services
Lending Made Simple... Service Made Personal
Loan Solutions
Explore our range of personalized mortgage solutions tailored to your needs and goals.
California's large self-employed population deserves access to great mortgage options. Our Bank Statement Program uses 12–24 months of bank deposits to verify income — no W-2s or tax returns required. This is one of our most popular programs for entrepreneurs, freelancers, and business owners in the Santa Clarita Valley.
Non-Qualified Mortgage loans are built for borrowers who don't fit traditional guidelines — real estate investors, retirees, foreign nationals, borrowers with recent credit events, or complex income situations. We offer asset depletion, DSCR (investor), and other alternative qualification programs throughout California.
FHA loans are ideal for first-time homebuyers in California. Backed by the Federal Housing Administration, they require as little as 3.5% down with a 580+ credit score, or 10% down with a score as low as 500. Flexible income and debt-to-income requirements make FHA one of the most accessible loan options in Valencia and Santa Clarita.
VA loans are exclusively available to eligible veterans, active-duty service members, and surviving spouses. Benefits include 0% down payment, no private mortgage insurance, and some of the most competitive rates available. California has one of the highest concentrations of veterans in the country — and The Mortgage Nut is proud to serve those who served.
Conventional loans offer flexible terms and competitive rates for well-qualified borrowers. With 20% down, you avoid private mortgage insurance (PMI) and can often access better rates. Ideal for buyers in the Santa Clarita Valley looking to build long-term equity. Conforming loan limits in California for 2026 are $766,550 in most counties.
Jumbo loans finance properties above conforming loan limits — starting at $766,550 in most California counties, and $1,149,825 in Los Angeles County. If you're purchasing a luxury home or high-value property in Santa Clarita, Valencia, or the surrounding area, a jumbo loan may be required. We offer competitive rates and flexible qualification for qualified buyers.
USDA loans offer 100% financing for properties in eligible rural and suburban areas of California. No down payment is required for qualifying borrowers within income limits. Some communities surrounding Santa Clarita may qualify. We'll check your address for USDA eligibility at no cost.
California offers several DPA programs including CalHFA MyHome and local county programs that can cover 3–10% of your purchase price as a deferred loan or grant. We identify every program you qualify for and stack them with your primary loan to minimize your out-of-pocket costs at closing.
Our Videos
The Mortgage Nut
Search video...
Behind the Deals: Rates, Reality, and Real Estate | Opposites Unite Podcast
01:09:39
Understanding Debt-to-Income Ratio for Home Loans | The Mortgage Nut
01:03
Pre-Approval vs Pre-Qualification Explained | The Mortgage Nut
00:45
Mortgage Calculator
Estimate your payment — fast, simple, and clear.
Home Loans, Refinances & More
We provide solutions to finance your dreams.
100%
Personalized Client Care
5-Star
Customer Satisfaction
100+
Lenders Network
10+
Years of Expertise
Apply for your home loan today and receive your pre-approval typically within 24 hours.
Lending Made Simple... Service Made Personal
At Mortgage Nut, we’re known for our transparency, responsiveness, and precision — answering every call and message promptly, and ensuring every contingency deadline is met with care and professionalism. Your goals deserve more than a loan — they deserve a partner you can trust.
Client Experiences
Discover the positive impact of our mortgage solutions through client experiences.
bottom of page