We're a low-overhead California mortgage company — which means we pass the savings directly to you. VA, FHA, Jumbo, Conventional, and Non-QM. Personal service from an experienced loan officer every time.
From VA purchase to DSCR investment loans — we have the right program and the rates to match.
No down payment. No PMI. Competitive rates. And we know this loan inside and out — from purchase to IRRRL refinance.
VA Loan Details →"Matthew did an outstanding job with my VA refinance. Professional, knowledgeable, responsive — returned my calls immediately and provided detailed responses to every question. I highly recommend."
"Martin was very communicative. Always called back right away. Thorough in explaining the refinance process and the advantages I'd receive. Very personable — I enjoyed our conversations."
"I had a great experience with Loan Works. Matt was very professional and got us a phenomenal rate. Loan processed quickly and I would highly recommend to anyone."
No obligation. No spam. Just a real conversation with an experienced loan officer about what's possible for your situation.
By submitting this form you consent to be contacted by Loan Works Inc regarding mortgage products. We do not sell your information. Loan Works Inc is not affiliated with or acting on behalf of FHA, VA, USDA or the Federal Government. Loan Works Inc NMLS #1157847 | David Campbell NMLS #895081
Whether you're buying, refinancing, or investing — we have the right program and the rates to match. California's low-overhead mortgage lender since 2011.
One of the most powerful financial benefits earned through military service. We specialize in VA loans and know this program inside and out.
If you're a veteran, active-duty service member, or qualifying surviving spouse, the VA loan is almost always the best loan available to you — full stop. Zero down payment, no PMI, and competitive rates that beat conventional financing in most scenarios.
Important: Loan Works Inc is not affiliated with or acting on behalf of or at the direction of the VA or the Federal Government. We are a private mortgage lender approved to originate VA loans.
The Department of Veterans Affairs guarantees a portion of the loan — this guarantee allows us as lenders to offer better terms without requiring a down payment or private mortgage insurance. You still qualify based on credit and income, but the floor is much more accessible than conventional loans.
0% Down Payment — finance 100% of the purchase price
No Monthly PMI (Private Mortgage Insurance)
30, 25, 20, and 15-year fixed rate terms
5-year adjustable rate mortgage available
Jumbo VA loans available for high-cost markets
No prepayment penalty — pay off anytime
VA IRRRL Streamline Refinance available
VA Renovation / Rehab Loan option
If you already have a VA loan and rates have dropped, the Interest Rate Reduction Refinance Loan (IRRRL) is one of the fastest and lowest-cost refinances available. Reduced documentation requirements, lower funding fee, and no appraisal in many cases.
The process mirrors a standard home purchase with one key addition — a VA appraisal that confirms the property meets VA minimum property requirements. This can add a small amount of time but also protects you as the buyer. If the property needs repairs, those typically need to be addressed before closing.
Government-backed financing with flexible credit requirements and as little as 3.5% down.
FHA loans are backed by the Federal Housing Administration and are designed to help buyers who may not qualify for conventional financing — whether due to a lower credit score, shorter credit history, or limited down payment savings.
Note: Loan Works Inc is not affiliated with or acting on behalf of FHA or the Federal Government.
FHA loans allow buyers to purchase with as little as 3.5% down (with a 580+ credit score). Unlike conventional loans where low down payment requires PMI that cancels at 20% equity, FHA loans carry an upfront MIP (Mortgage Insurance Premium) and monthly MIP for the life of the loan in most cases — so many buyers refinance into conventional once they've built equity.
As little as 3.5% down payment
Flexible credit score requirements
30, 25, 20, and 15-year fixed terms
5-year adjustable rate available
Available for primary residences
No prepayment penalty
The most predictable home loan available. Your rate — and your payment — never change.
A fixed rate mortgage locks in your interest rate for the entire life of the loan. When rates are competitive, this gives you long-term payment certainty that no market movement can disrupt. If you plan to stay in your home for more than 5–7 years, a fixed rate is almost always the right call.
15-Year Fixed: Higher monthly payment, but significantly less total interest paid over the life of the loan. You also typically get a lower rate on a 15-year term. If your budget can handle the payment, the 15-year builds equity faster and saves tens of thousands in interest.
30-Year Fixed: Lower monthly payment, more flexibility in your budget. You pay more interest over 30 years but have the option to make extra principal payments when cash flow allows. Most popular loan in the U.S. for good reason.
Rate never changes — ever
15 and 30-year terms available
No prepayment penalty
Available for purchase and refinance
Primary residence and investment
Conforming and jumbo amounts
High-balance financing for California's luxury and high-cost markets. Great rates, fixed or adjustable.
When a loan amount exceeds the conforming loan limit set by Fannie Mae and Freddie Mac, it becomes a jumbo loan. In high-cost California markets, this threshold comes into play frequently. Our low-overhead model means we can offer competitive jumbo rates that large banks struggle to match.
We offer fixed and adjustable rate jumbo loans with flexible terms. Whether you're purchasing a primary residence, second home, or investment property, we have jumbo options that work for your situation.
Fixed and adjustable rate options
Competitive rates vs. big banks
Primary, second home, and investment
Jumbo VA loans also available
Lower your rate, shorten your term, or pull out equity. We'll run the numbers and tell you honestly if it makes sense.
A refinance replaces your current mortgage with a new one under better terms. The right time to refinance depends on your current rate, remaining term, and how long you plan to stay in the home. We do the math with you — no pressure, just numbers.
The general rule of thumb: if you can lower your rate by at least 0.5% and plan to stay in the home long enough to recoup closing costs, a refinance makes financial sense. We'll calculate your break-even point before you commit to anything.
Rental properties, vacation homes, and DSCR loans. Finance your real estate portfolio with a lender who understands investors.
Investment properties require a different approach than primary residence financing. We work with both traditional investment property loans and DSCR (Debt Service Coverage Ratio) loans — which qualify based on the rental income of the property rather than your personal income.
DSCR loans are a Non-QM product that uses the property's rental income to qualify. If the rent covers the mortgage payment (typically a 1.0+ DSCR ratio), you can qualify without providing personal income documentation. This is a powerful tool for experienced investors growing a portfolio.
Buying your first home is a big step. We'll guide you through every stage — from pre-qualification to closing.
First-time buyers often have the most questions and the most to gain from working with an experienced loan officer. We'll walk you through which program fits your situation, how much home you can afford, and what to expect at every step of the process.
Before you start house hunting, get pre-qualified. A pre-qualification letter shows sellers you're serious and helps you shop within your real budget — not an estimated one.
You don't need 20% down to buy a home. Multiple programs let you get in with minimal cash out of pocket.
The 20% down myth stops many qualified buyers from getting into homes they can comfortably afford. Here's the reality — there are multiple programs that allow you to purchase with 0–5% down, and the right one depends on your situation.
Lower down payment means higher monthly payment and often mortgage insurance. But it also means less cash tied up in the property, higher liquidity, and the ability to buy sooner. We'll walk through the full picture with you before you decide.
Buy the fixer-upper and finance the repairs in a single loan. Less hassle, one closing.
If you've found the right home in the right location but it needs work, a rehab loan lets you purchase the property and finance the renovation costs together — one loan, one rate, one closing. No need to come back for a second loan after closing.
Both programs require additional documentation related to the planned renovation and typically involve a HUD-approved consultant or contractor bids. Qualification requirements mirror the standard FHA or VA loan for each respective program.
Zero down payment for eligible rural and suburban California properties. Widely underused and often overlooked.
The USDA Single Family Housing Guaranteed Loan Program is one of the least talked about — and most useful — 0% down loan programs available. Despite the name, it's not just for farms. Many suburban California areas qualify.
Note: Loan Works Inc is not affiliated with or acting on behalf of USDA or the Federal Government.
The USDA guarantees the loan — similar to how VA and FHA work. Private lenders like us fund the loan, and the USDA backing allows us to offer 0% down with competitive rates. The program is available for primary residences in eligible areas and has household income limits.
0% down payment
No monthly PMI
Primary residence only
Income limits apply by area
Available for new, existing, and renovation homes
Refinance up to 100% of home value
A California mortgage company built on low overhead, honest advice, and long-term client relationships since 2011.
Founded in 2011, Loan Works Inc was built on a simple premise: a low-overhead mortgage operation can offer better rates and more personal service than the big banks — and still run a profitable business.
We've helped finance thousands of loans across California — from first-time buyers to veterans using their VA benefit to investors building portfolios. Every loan goes through an experienced loan officer who knows your file personally.
We don't have branches on every corner. We don't spend millions on advertising. We keep our costs low and pass the savings to our clients in the form of better rates and lower fees.
Our operating model is lean by design. That translates directly into more competitive rates and closing costs for our clients — without sacrificing service.
We'll tell you if a refinance doesn't pencil out. We'll tell you which loan program actually serves your interests, not just the one that closes faster for us.
We have deep experience with VA loans — purchase, refinance, IRRRL, and jumbo VA. Veterans and first responders are a priority, not an afterthought.
You work with a real loan officer, not a call center. Your questions get answered. Your calls get returned. Your file gets done right.
Ready to get started? Have a question? We respond fast and we give straight answers.
No automated system. No runaround. Call or fill out the form and an experienced loan officer will follow up directly.
By submitting this form you consent to be contacted by Loan Works Inc. We do not sell your information. Loan Works Inc is not affiliated with or acting on behalf of FHA, VA, USDA, or the Federal Government. Loan Works Inc NMLS #1157847 | David Campbell NMLS #895081
Last updated: April 2026
Loan Works Inc ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit loanworksinc.com or contact us about mortgage services.
We may collect the following types of information:
We do not sell your personal information. We may share your information with:
California residents have the right to: (1) know what personal information we collect and how it is used; (2) request deletion of personal information; (3) opt out of the sale of personal information (we do not sell personal information); and (4) non-discrimination for exercising these rights. To exercise these rights, contact us at info@loanworksinc.com or (949) 537-2952.
By submitting a contact form on this site, you consent to be contacted by Loan Works Inc by phone, text, or email regarding mortgage products and services, even if your number is on a Do Not Call registry. You may opt out at any time by contacting us at info@loanworksinc.com.
We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of internet transmission is 100% secure and we cannot guarantee absolute security.
We retain personal information as long as necessary to provide services and comply with legal obligations, including federal mortgage record retention requirements (typically 3–7 years depending on record type).
Our site may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.
Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors.
We may update this Privacy Policy periodically. We will post the updated policy on this page with a revised date.
For privacy-related questions or requests: Loan Works Inc | 1050 S. Coast Hwy Ste D, Laguna Beach, CA 92651 | info@loanworksinc.com | (949) 537-2952
Last updated: April 2026
By accessing and using loanworksinc.com, you agree to be bound by these Terms of Use. If you do not agree, please do not use this site.
Nothing on this website constitutes a commitment to lend or a loan approval. All loan applications are subject to underwriting review, credit approval, income verification, appraisal, and property eligibility. Rates and terms are subject to change without notice and are not guaranteed until locked in writing.
The information on this website is provided for general informational purposes only. It does not constitute financial, legal, or tax advice. You should consult with qualified professionals regarding your specific situation before making any financial decisions.
Loan Works Inc is not affiliated with, acting on behalf of, or at the direction of the Department of Veterans Affairs (VA), Federal Housing Administration (FHA), USDA, or any other government agency. Use of terms such as "VA loan" or "FHA loan" refers to loan programs insured or guaranteed by those agencies, not to a government entity offering services directly.
We strive to provide accurate and current information but make no warranties regarding the completeness, accuracy, or timeliness of content on this site. Mortgage guidelines, loan limits, and program requirements change frequently.
All content on this site — including text, graphics, logos, and design — is the property of Loan Works Inc and protected by applicable copyright and trademark laws. You may not reproduce or distribute content without written permission.
Loan Works Inc shall not be liable for any damages arising from your use of or reliance on information provided on this website. Use of this site is at your own risk.
These Terms are governed by the laws of the State of California without regard to conflict of law principles.
Questions about these Terms: info@loanworksinc.com | (949) 537-2952
Last updated: April 2026
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We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. These guidelines explain how to make web content more accessible to people with disabilities.
We are aware that some areas of the site may not yet fully meet all accessibility standards. We are actively working to identify and remediate these issues.
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If you are not satisfied with our response, you may contact the relevant enforcement body in your jurisdiction. In California, accessibility complaints may also be directed to the California Department of Fair Employment and Housing (DFEH) at dfeh.ca.gov.