Business Details
17 Years
experience
Your Trusted Mortgage Broker in Irvine, CA
Dan the Man for Mortgages has been dedicated to empowering borrowers with optimal mortgage solutions since 2009. Founded by Dan Stone, a mortgage lending professional with over three decades of industry experience, we specialize in connecting clients with over 1,000 lenders to secure the lowest rates and fees. Our fee-based model ensures transparency, as we receive no compensation from lenders, prioritizing client interests throughout the process. With expertise in conventional, FHA, VA, USDA, jumbo, and investment property loans, we provide tailored guidance to navigate complex mortgage landscapes.Our commitment to education and advocacy has saved clients an average of $10,000+ while maintaining a 100% satisfaction guarantee. Backed by a deep understanding of 284 California financial assistance programs and nationwide lending networks, we transform mortgage challenges into stress-free experiences. Our mission to reduce loan expenses through honest, integrity-driven service has earned us recognition as a trusted advocate in the industry.
Services
Mortgage Brokerage
Refinance Services
Investment Property Loans
Reverse Mortgages
Construction Loans
Jumbo Loans
FHA Loans
VA Loans
USDA Loans
Commercial Loans
Details
- Year established: 2009
Highlights and features
- We save clients an average of $10,000+ through access to 1,000+ lenders
- Our fee-based model ensures no conflicts of interest from lender commissions
- 35+ years of combined mortgage industry experience since 1987
- 100% satisfaction guarantee with money-back commitment
- Specialized expertise in 284 California financial assistance programs
What people say
Great experience
Saved .75%
Highly recommended
Saved over $12,000
Exceptional follow-up
Services
Mortgage Brokerage
We connect borrowers with 1,000+ lenders to secure optimal mortgage rates and terms. Our fee-based model ensures unbiased recommendations prioritizing client financial interests. With access to conventional, FHA, VA, USDA, and jumbo loan programs, we specialize in complex scenarios requiring specialized financing solutions.
Refinance Services
Our refinance experts identify opportunities to reduce monthly payments or access home equity. We analyze current loan terms against market offerings to deliver savings averaging $10,000+. Services include rate-and-term refinancing, cash-out options, and specialized programs for investment properties and high-balance loans.
Investment Property Loans
We provide tailored financing solutions for residential investment properties with loan-to-value ratios up to 80%. Our services include purchase financing, cash-out refinancing, and portfolio loan options for clients with multiple properties. We specialize in navigating complex underwriting requirements for non-owner-occupied real estate.
Reverse Mortgages
Our reverse mortgage specialists help homeowners aged 60+ access home equity without monthly payments. We explain HECM program requirements, purchase options up to $40 million, and cash-out refinance possibilities. We ensure clients understand long-term implications while exploring this retirement funding solution.
Construction Loans
We facilitate construction-to-permanent financing for custom homes with minimum 20% down payments. Our services include lot purchase financing, improved/unimproved land loans, and hard money options for fix-and-flip projects. We coordinate with builders and lenders to ensure smooth transitions from construction to permanent financing.
People
Dan Stone
Owner, Founder
Mortgage industry veteran with 35+ years of experience since 1987. Founded Mortgage Fee Coach in 2009 to create transparent mortgage solutions. Previously served as Vice President of Secondary Marketing at MGM Mortgage. Active community volunteer supporting multiple charitable organizations.
Questions
How do you save clients money on mortgages?
We compare offers from 1,000+ lenders to secure the lowest rates and fees. Our fee-based model ensures unbiased recommendations without lender commissions.
What mortgage programs do you offer?
We provide conventional, FHA, VA, USDA, jumbo, reverse, investment property, and construction loans with specialized programs for unique financial situations.
How long does the mortgage process take?
Most transactions close within 30-60 days. We streamline the process through lender coordination and proactive communication throughout the timeline.
Are your fees transparent?
Yes, we disclose all costs upfront. Fees start at $300 for first trust deeds and $500 for second trust deeds with no hidden charges.
Do you work with first-time homebuyers?
Yes, we specialize in first-time buyer programs including down payment assistance and 3% minimum down payment options through 284 California programs.
Can you help with difficult mortgage scenarios?
We excel at complex cases including self-employed borrowers, investment portfolios, and non-traditional credit situations using bank statement and alternative documentation programs.
Videos
Reviews (6)
Larry Greene
Oct 26, 2021
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Dan is excellent to work with on mortgage. Whether you have a simple or complicated situation, he always finds the right loan to fit your needs. The bonus is, you typically save thousands of dollars over the life of the loan. I have used Dan's services and refer him to all my clients. Thanks for the great service, Dan!
Paul Weston
Oct 01, 2021
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This is the second time I used Dan's service. I ended up with a great interest rate without the hassle of shopping around and all the call backs you typically get from people pushing their loans. This is the best way to get a great deal on mortgage or refi.
Paul Robidoux
Aug 29, 2021
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Dan quickly identified a sub-2% lender and met all of our criteria for a viable refinance. Dan will service you throughout the process, ensuring that everything is completed efficiently and answering all of your questions. I highly recommend using his services.
Robert Hazelo
Aug 21, 2021
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Six years ago, I started working with Dan to refinance my home. My Loan to Debt ratio was too high for any lenders to work with me. During the next year, I reduced my debt by paying down my second mortgage. The whole time Dan would reach out to me to find out how I was doing and to keep me updated on rates. Once I paid off the second mortgage Dan was able to find a bank that would work with me and that dropped my mortgage rate 1%, saving me hundreds a month. Now I refinanced again and saving even more. Thank you, Dan, for all your help!
Robert
Robert
Karone Salgado
Aug 14, 2021
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Dan found the perfect loan company that worked with us. They both worked together and checked in on us every week, were patient with us and walked us through the whole process step by step. They made this whole process easy and manageable. I truly appreciate Dans help. We were able to cut our interest rate by half. Now our monthly mortgage payments is less than 650 dollars a month. Thank you Dan! Highly recommend!
Cris Olson
Jul 02, 2021
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Worth every minute and dollar you spend! I was in a very difficult situation and didn't think I would be able to get a loan. Dan assessed my situation and matched me up with the perfect loan officer. After only a few phone calls and an application, I was given a pre-approval letter, made an offer on a house, and closed in less than 30 days. Dan knows the right people to help you in any situation and will give you a straight answer to any of your questions. If he can't help or deliver on his promise, he will give you your money back. Don't try and figure it out on your own. He saves you money by
