Purchase loans, refinancing, home equity, and reverse mortgages for California homeowners. As a mortgage broker, we compare programs from multiple lenders on your behalf and explain every option in plain language.
The best loan is not always the lowest advertised rate. It is the one that fits your plans, and you should understand it completely before you sign.
Wave Crest Financial Group, serving California homeowners since 2001
Buying, refinancing, tapping equity, or planning for retirement. We start with what you want the loan to do, not with a product we need to sell.
As a broker we compare programs and pricing from multiple wholesale lenders, then show you the options side by side with the full costs in writing.
The same team handles your file through appraisal, underwriting, and funding, and returns your calls along the way.
Conventional, government-backed, and jumbo financing for homes across coastal Southern California. We get you pre-approved before you make an offer, so sellers and their agents take you seriously.
A rate-and-term refinance can reduce your payment or shorten your loan. A cash-out refinance or home equity line can fund a renovation, consolidate higher-interest debt, or cover a major expense.
We run the break-even math with you first, so you know how long it takes for the savings to cover the closing costs before you commit.
A reverse mortgage turns part of your home's equity into cash without a monthly mortgage payment. You keep the title and stay in your home. We have been explaining these loans to California families for more than 25 years, in plain language and with no pressure.
Insured by the FHA and the most common option. Take funds as a lump sum, a line of credit, monthly payments, or a mix. You will never owe more than the home is worth when the loan is repaid.
Combine a down payment, often from selling your current home, with a reverse mortgage on the new one. Move closer to family or onto a single level without taking on a monthly payment.
Many coastal Orange County homes are worth more than the FHA limit. Private jumbo programs can lend against higher values. We compare them side by side with a HECM.
Every loan has costs. You get them in writing on a Loan Estimate before you commit, and we walk you through each line.
Your rate depends on credit, down payment, loan type, and the market. Points can buy the rate down; we show you both ways.
Origination and processing charges, disclosed up front so there are no surprises at closing.
Appraisal, title insurance, escrow, and recording, paid to outside providers.
Required on FHA loans, reverse mortgages (HECM), and conventional loans with less than 20% down. We explain when it can be removed.
Tell us what you are trying to do and we will give you a straight answer, including when the right move is to wait.
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No obligation. We do not sell or share your information.
