Mission Loans

Business Details

Your Trusted Mortgage Partner in Irvine, CA

At Mission Loans, we are dedicated to transforming the home ownership experience through innovation and personalized service. Our team of seasoned professionals leverages cutting-edge technology to streamline the mortgage process, ensuring transparency and efficiency at every step. With over two decades of combined leadership experience, we specialize in a wide range of loan products, including VA, FHA, and Conventional Loans, tailored to meet diverse financial needs.

Our commitment to customer-centric values is reflected in our no-lender-fees-for-life promise and a culture that prioritizes open communication and urgency. Recognized for our 4.8/5 Google rating, we treat every transaction as if it were our own, empowering clients to achieve their American Dream with confidence and clarity.

Services

VA Loans FHA Loans Conventional Loans Home Equity Loans Cash-Out Refinance

Highlights and features

We offer no lender fees for life on refinances.
Our team has 25+ years of executive mortgage experience.
We leverage technology to simplify loan processes.
We maintain 4.8/5 Google reviews for service quality.
Our leadership actively participates in daily operations.

What people say

Exceptional support Honest and efficient Outstanding agents No hidden fees Quick processing

Website

Update Listing

Services

VA Loans

VA Loans are exclusive mortgage options for veterans and active-duty military members. These loans feature low down payments, no PMI requirements, and flexible credit standards. At Mission Loans, we specialize in guiding service members through the VA loan process with expert support and competitive rates.

FHA Loans

FHA Loans provide accessible homeownership opportunities for borrowers with lower credit scores or limited savings. These government-insured loans require minimal down payments and offer lenient qualification criteria. Our team simplifies FHA loan applications while maintaining strict compliance with federal regulations.

Conventional Loans

Conventional Loans suit borrowers with strong credit histories seeking flexible mortgage solutions. These non-government-backed loans offer competitive rates and options to avoid PMI with 20% down payments. Mission Loans provides personalized conventional loan consultations to match diverse financial profiles.

Home Equity Loans

Home Equity Loans allow homeowners to leverage their property's value for major expenses. We offer streamlined equity loan programs with fixed rates and predictable repayment terms. Our process ensures clear communication about loan-to-value ratios and responsible borrowing limits.

Cash-Out Refinance

Cash-Out Refinance replaces existing mortgages with new loans exceeding current balances, providing liquid funds for home improvements or debt consolidation. Mission Loans optimizes this process with digital tools that track equity positions and maximize financial benefits for qualified borrowers.

People

Dave Norris

Chief Mission Officer

With 25+ years in mortgage and tech industries, Dave leads strategic growth and team development at Mission Loans. His expertise spans multiple credit cycles and major financial institutions.

Chi Pham

COO

Chi brings 15+ years of mortgage operations experience, focusing on process innovation and customer experience improvements. She specializes in streamlining loan manufacturing workflows for greater efficiency.

Hans Dumayag

CSO

Hans drives digital transformation initiatives with data-driven strategies. His background in fintech partnerships enhances Mission Loans' ability to deliver modern mortgage solutions.

Bob Pickham

Chief Financial Officer

Bob contributes 25+ years of mortgage finance leadership, specializing in operational strategy and risk management. He ensures financial stability while pursuing growth opportunities.

Erica Page

SVP Technology Ops

Erica pioneers mortgage technology innovations with 19 years of fintech experience. She leads digital validation systems and remote transaction technologies that redefine industry standards.

Questions

What loan types does Mission Loans offer?

We provide VA, FHA, Conventional, Home Equity, and Cash-Out Refinance loans tailored to diverse financial situations.

Do you charge lender fees for refinancing?

No. Our no-lender-fees-for-life policy applies to all future refinances once you join the Mission Loans family.

How does your application process work?

Our digital platform automates document verification while dedicated specialists guide you through each step personally.

Are you licensed in my state?

We hold licenses in 45+ states including CA, TX, NY, and FL. Check our website for specific state licensing details.

What credit score do I need for approval?

Minimum requirements vary: 500-579 for FHA, 620+ for conventional loans. Our team helps optimize approval chances.

How quickly can you close a loan?

Average closing time is 30-45 days, with expedited options available for qualified borrowers needing faster funding.

Reviews (6)

Write a Review

Angel Carrillo

May 01, 2021 Report

Critical:Professionalism,Quality,Value
This is the worst company!! They knew the house we bought had termites and they knew the house was tore up they told us we had to bid higher than anyone if we had know better we would have never bought the house and we would have never gone thru them!!!

Amanda Karvonen

Sep 22, 2017 Report

Awesome experience! I don't think purchasing a home could've gone better. Everyone who works at Bancorp is on top of it to get their clients what they need when they need it. I highly recommend them especially Karen A.

Carlos Sanchez

Jul 01, 2017 Report

Residential Bancorp is very knowledgeable in the whole process of home loans, They are very honest on what situation you are looking at and explain everything with clarity. They provide all answers to questions with great detail.

Alan Chew

Jun 30, 2017 Report

Friendly people, great attitudes, and professional service. I spoke to Wayne regarding different home loan options, he was great and answered all questions I had in a detailed, and easy to understand manner.

Roberta Greer

May 08, 2017 Report

My loan officer was the ABSOLUTE best! She was there to answer my questions 24 hours a day. I would and will refer this company to anyone seeking to buy a home.

Tom Moore

Aug 26, 2016 Report

This banks does not take privacy issues seriously. They gave my personal credit information/file - -to the wrong person. Then when I found out they acted like it was not a big deal. I asked them for their privacy policy and have yet to receive it. I'm not sure who is running this operation but they are the least professional people I have encountered in over 30 years on Banking. If you call to ask for customer service you get a voice mail. Nobody calls you back and they ignore emails or phone calls. I would not recommend this bank to anyone.