Conventional
The classic path for buyers with steady income and decent credit. Flexible terms, competitive rates, and as little as 3% down.
California Home Loans · Done Right
The clearest path to your California home — starts here.
Buy, refinance, or qualify self-employed — one expert matches you to the right loan and walks you to the keys. Real broker. Real answers. About 60 seconds to start.
Rated 5.0 by California clients
Humanguidance — never a call center
24 hrtypical pre-approval turnaround
No credit impact
What brings you here?
Pick one. A few quick questions and you're done.
Secure & private — we never sell your info.
Start Here
What kind of loan do you need?
Pick your path — a few quick questions and you're on your way. Takes about a minute.
Loan Programs
One of these is your way home.
Every program below is backed by a real calculator and a broker who knows how to structure it. Tap any card to see how it works — or run your numbers first.
FHA Loans
Government-backed and forgiving. Lower credit scores and a 3.5% down payment make this a favorite for first-time California buyers.
$0 Down
VA Loans
Earned by service. Eligible veterans and active-duty buyers get $0 down, no PMI, and some of the best rates on the market.
Jumbo Loans
For California's higher price tags. Finance luxury and high-value homes above conforming limits with tailored terms.
Refinance
Lower your rate, shorten your term, or pull cash from your equity. If your situation's changed, your mortgage probably should too.
Self-Employed
Non-QM Loans
Tax write-offs shouldn't cost you a home. Bank statement, DSCR, and asset-based loans qualify you on real cash flow — not just W-2s.
Mortgage Calculator
Run your real numbers.
No sign-up, no strings. Move the inputs and watch your full monthly payment update instantly — principal, interest, taxes, insurance, and PMI.
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Optional
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Your estimated payment
$6,114/month
$600,000 loan · 15-year fixed
Principal & interest$5,309
Property taxes$688
Home insurance$117
Loan balance over timePaid off 2041
2026·2041
Over the life of this loan you'll pay about $355,702 in interest. Want to see how a different structure changes that?
Estimates for illustration only and not a commitment to lend. Actual rate, taxes, insurance, and PMI depend on your profile, property, and market conditions. Contact Genesis Home Loans for a personalized quote.
The Self-Employed Gap
Your tax return is lying about you.
Your accountant did their job perfectly — and in doing so, made you look poor to a mortgage lender. Move the slider. See what your deposits actually say.
Your real numbers
$5K$100K$4M
What actually lands in your business or personal account each month.
$20K$250K$5M
The number after every write-off. The only one a bank will look at.
Business accounts have an expense factor applied. Personal deposits are already your take-home.
The home this unlocks
+$1,041,000
That's how much more home your actual cash flow supports — money you already earn, that a conventional lender refuses to see.
Tax return buys$408,000
Your deposits buy$1,449,000
Illustrative estimate only — not a commitment to lend, a pre-approval, or a guarantee of any rate. Assumes a 43% debt-to-income ceiling, no other monthly debts, 20% down, a 30-year fixed at 6.75%, and roughly 1.25%/yr for taxes and insurance. Your actual qualifying income and purchasing power depend on credit, reserves, property, and full underwriting.
Built for the Self-Employed
You run a business. You deserve a yes.
Traditional lenders punish you for smart tax planning. Non-QM loans look at how your money actually moves — deposits, rental income, or assets — so business owners, investors, and 1099 earners can finally qualify for the home they can clearly afford.
- Bank statement loans — qualify on 12–24 months of deposits, no tax returns required.
- DSCR loans — investors qualify on the property's rental income, not personal income.
- Asset-based loans — use your savings and investments to demonstrate ability to repay.
- 1099 & P&L-only loans — qualify on your income the way it actually comes in.
How It Works
Four steps. Zero guesswork.
Most people put off the mortgage conversation because it feels overwhelming. Here it isn't. You'll always know exactly where you stand and what happens next.
1
Tell us your goal
Two minutes, a few questions — buying, refinancing, or just exploring. No credit pull, no pressure.
2
Get your options
We match you to programs you actually qualify for and lay out real numbers side by side — in plain English.
3
Get pre-approved
A clear, verified pre-approval that makes sellers take you seriously and keeps your timeline on track.
4
Close with confidence
We handle the lenders, paperwork, and deadlines. You get the keys — and a broker on speed-dial after, too.
Why Genesis Home Loans
A broker in your corner — not a call center.
As an independent California broker, Adriana shops dozens of lenders for you. That means more options, better fit, and a real person who answers the phone.
Dozens of lenders, one advocate
Instead of a single bank's shelf, you get the whole market shopped on your behalf — and the leverage that comes with it.
Answers in hours, not days
Fast pre-approvals and quick replies. When you're competing for a home, speed is everything — and we move.
Straight talk, always
No teaser rates or fine-print surprises. You'll understand every number before you sign anything.
Specialists in the hard cases
Self-employed, investor, jumbo, credit dings — the loans other lenders decline are the ones we know best.
Structured to save you money
Rate, term, points, and program all get engineered around your goals — often saving thousands over the loan.
Local, licensed, reachable
Milpitas-based and licensed across California. Text, call, or email — you'll always reach a human who knows your file.
ADAdriana de Anda
Real Estate & Mortgage Broker
NMLS #368880DRE #01447306GRI
Since 2004Licensed CA broker
BothBroker & agent licensed
EN·ESEnglish & Español
Your Loan Expert
One expert. Start to keys in hand.
"A mortgage isn't paperwork — it's the structure your family's next chapter is built on. My job is to get it right, explain it straight, and be reachable the whole way."
- Dual-licensed in real estate and mortgage — she sees the whole transaction, not just the loan.
- Direct line, real answers — you work with Adriana herself, never a rotating call center.
- Milpitas-based, serving every corner of California — bilingual service in English y Español.
Client Stories
Real Californians. Real keys.
We only publish verified reviews from real Genesis clients — never stock quotes. They're on the way. In the meantime, you can verify Adriana's license and record directly.
Questions, Answered
The stuff people actually ask.
It depends on the program. Conventional loans can start at 3% down, FHA at 3.5%, and VA and certain programs allow 0% down for eligible buyers. Non-QM and jumbo loans typically ask for more. We'll match you to the lowest realistic down payment for your situation — and walk you through down-payment assistance options if they fit.
Many programs start around a 580–620 score, and some FHA and Non-QM options go lower with compensating factors. A higher score usually means a better rate. If your score needs a little work, we'll give you a clear, honest plan to get approval-ready — sometimes it's faster than you'd think.
A Non-QM (non-qualified mortgage) loan uses alternative income documentation instead of standard W-2s and tax returns. It's built for self-employed borrowers, business owners, real estate investors, and people with complex income. Common types include bank statement loans, DSCR loans (qualify on rental income), and asset-based loans.
Absolutely — it's one of our specialties. With a bank statement loan, we can qualify you using 12–24 months of business or personal deposits instead of tax returns, so your write-offs don't work against you. Many self-employed Californians who were told “no” elsewhere get approved this way.
Most purchase loans close in roughly 3–4 weeks once you're in contract, and refinances often move faster. The single biggest thing that keeps your closing on schedule is getting fully pre-approved up front — which is exactly where we start.
Yes — Genesis Home Loans serves homebuyers and homeowners across the entire state of California, from the Bay Area to Los Angeles, San Diego, Sacramento, and everywhere in between. Wherever you are in the state, we can help.
Let's Get You Home
Your rate is waiting. Let's go find it.
Answer a few quick questions and get a real sense of your options today — no credit pull, no obligation, just straight answers from a broker who's on your side.
Your information is secure and never sold. NMLS #368880.