NMHL Mortgage Lending
Mortgage Lender in Los Angeles, CA
Local expertise and competitive rates for Los Angeles homebuyers.
Los Angeles is one of America's most dynamic and competitive housing markets, with a median home price of $950,000. The city's unmatched entertainment, tech, and creative industries provide high earning potential, but also create a challenging environment for homebuyers. At National Mortgage Home Loans (NMHL), we understand the unique needs of Los Angeles borrowers and offer a range of mortgage products tailored to the local market.
From jumbo loans to FHA and conventional loans, NMHL provides the financing solutions LA buyers need to succeed. Our expertise in serving underserved borrowers, including those with bad credit, self-employed individuals, and first-time homebuyers, makes us the go-to lender in Los Angeles. With NMHL, borrowers can access competitive rates, flexible terms, and personalized service to navigate the complex LA housing market.
Whether you're looking to purchase a home in Silver Lake, Echo Park, or Santa Monica, NMHL's local knowledge and mortgage expertise will guide you through the process. Our NMHL pre-approval process is fast and straightforward, giving you the confidence to make an offer on your dream home.
Los Angeles Housing Market Overview
Los Angeles is one of America's most dynamic and competitive housing markets. While prices are among the highest in the nation, the city's unmatched entertainment, tech, and creative industries provide high earning potential. Jumbo loans and creative financing solutions are essential tools for LA buyers.
Los Angeles Neighborhoods
Popular areas for homebuyers in Los Angeles, CA
ZIP Codes We Serve in Los Angeles
Mortgage lending available in these Los Angeles ZIP codes
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Los Angeles
Explore mortgage options tailored to Los Angeles homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Los Angeles Housing Market Trends
The Los Angeles housing market is characterized by high demand, limited inventory, and rising prices. The median home price is $950,000, with some neighborhoods experiencing even higher price points. Despite these challenges, the LA market remains attractive to homebuyers due to its strong economy, diverse culture, and desirable lifestyle.
NMHL's local market expertise can help you navigate the complexities of the LA housing market. Our loan officers understand the latest market trends and can provide guidance on the best neighborhoods and mortgage options for your situation.
Stay ahead of the competition with NMHL's fast and flexible pre-approval process.
First-Time Homebuyer Programs in California
California offers a range of programs to support first-time homebuyers, including CalHFA down payment assistance and competitive interest rates. NMHL participates in these programs and can help you access the benefits. Our loan officers will work with you to determine the best loan product and down payment strategy for your situation.
- CalHFA Down Payment Assistance Program: Provides up to 3% of the home's purchase price for down payment and closing costs.
- CalPLUS Conventional Loan Program: Offers a 30-year fixed-rate mortgage with a low down payment requirement.
Don't miss out on these valuable programs – contact NMHL today to learn more.
Mortgage Options for Underserved Borrowers in Los Angeles
At NMHL, we understand that not all borrowers fit the traditional mortgage mold. That's why we offer specialized loan products for borrowers with bad credit, self-employed individuals, and veterans. Our loan officers will work with you to identify the best mortgage solution for your unique situation.
Our mortgage products include:
- Bad Credit Mortgage Loans: Designed for borrowers with less-than-perfect credit, these loans offer flexible credit scoring and competitive rates.
- Self-Employed Mortgage Loans: Our loan officers understand the unique financial situations of self-employed borrowers and can provide customized mortgage solutions.
- VA Loans: Eligible veterans can access zero-down mortgage options with competitive rates and terms.
Don't let credit challenges hold you back – contact NMHL to explore your mortgage options.
Understanding Property Taxes in Los Angeles
Property taxes in Los Angeles are an essential consideration for homebuyers. Thanks to Proposition 13, California property taxes are capped at roughly 1% of assessed value at purchase, plus local bonds. Los Angeles County's effective property tax rate averages 0.76%, relatively low for the home values involved.
NMHL can help you factor property taxes into your mortgage planning and ensure you're prepared for the ongoing costs of homeownership.
Get a clear understanding of your property tax obligations with NMHL's expert guidance.
Frequently Asked Questions
First-time homebuyers in Los Angeles can benefit from CalHFA programs, which offer down payment assistance and competitive interest rates. NMHL also offers specialized loan products for first-time buyers, with down payments as low as 3.5%. Our loan officers can help you navigate these options and find the best fit for your situation.
Thanks to Proposition 13, California property taxes are capped at roughly 1% of assessed value at purchase, plus local bonds. Los Angeles County's effective property tax rate averages 0.76%, relatively low for the home values involved. NMHL can help you factor property taxes into your mortgage planning.
While bad credit can make it more challenging to secure a mortgage, NMHL offers loan products designed for borrowers with less-than-perfect credit. We consider alternative credit scoring models and offer subprime loan options. Our loan officers will work with you to identify the best mortgage solution for your credit situation.
As a local lender, NMHL has in-depth knowledge of the Los Angeles housing market and can provide personalized service tailored to your needs. We understand the local economy, neighborhoods, and market trends, allowing us to offer more flexible and creative mortgage solutions.
On a $950,000 home, a 3% conventional down payment is $28,500, while 10% is $95,000. Down payment assistance programs exist through CalHFA and local agencies, and VA-eligible buyers can purchase with zero down. NMHL can help you explore these options and determine the best down payment strategy for your situation.
Popular neighborhoods in Los Angeles include Silver Lake, Echo Park, Santa Monica, Pasadena, and Culver City. Each area has its unique character and housing market dynamics. NMHL's local expertise can help you understand the pros and cons of different neighborhoods and find the best fit for your needs and budget.
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Ready to Buy in Los Angeles?
Let NMHL help you navigate the Los Angeles housing market with expert guidance and competitive rates.