Business Details
30 Years
experience
Trusted Mortgage Brokers in Redondo Beach, CA
Since 1996, Value Mortgage has provided private party real estate loan solutions across California. Our specialized focus on equity-based lending prioritizes property value over credit scores, enabling property owners to access funds quickly for diverse needs including investment acquisitions and property renovations. We maintain a streamlined 5-step process that delivers rate quotes within 24 hours and funds loans within 7-10 days, supported by a dedicated team with decades of combined industry experience.Our network of private lending partners enables competitive rate structures tied to property equity, while our physical presence in Redondo Beach ensures personalized support throughout the loan lifecycle. We measure success through client satisfaction, evidenced by repeat business from real estate investors and professionals who value our transparent process and rapid execution capabilities.
Services
Private Party Loans
Real Estate Secured Loans
Bank Statement Loans
Equity-Based Loans
Bridge Loans
Details
- Year established: 1996
Highlights and features
- 24-hour rate evaluation with no credit score requirement
- 7-10 day loan closing process for urgent funding needs
- Competitive equity-based mortgage rates across California
- Personalized service from experienced mortgage professionals
- Specialized in funding complex real estate transactions
What people say
Quick process
Funded in 10 days
Professional service
Easy process
Competitive rates
Services
Private Party Loans
Specialized real estate financing connecting property owners with private lenders. These equity-based loans prioritize property value over credit scores, enabling rapid funding for real estate acquisitions and renovations. Ideal for investors needing non-traditional mortgage solutions with competitive rates tied to collateral value.
Bank Statement Loans
Alternative mortgage programs for self-employed borrowers or investors with strong cash flow. By analyzing 12-24 months of bank statements, we create customized loan packages that demonstrate repayment capacity through proven financial activity rather than traditional income documentation.
Equity-Based Loans
Loan products focused on property equity as primary approval factor. Available up to $5,000,000, these loans allow property owners to leverage real estate assets for rapid funding. Competitive rates are determined by loan-to-value ratios rather than traditional credit metrics.
Bridge Loans
Short-term financing solutions for real estate investors needing immediate capital between property transactions. Our rapid 7-day funding capability ensures seamless acquisition opportunities while maintaining existing property ownership.
Real Estate Secured Loans
Collateral-based loan programs secured by California real estate. These loans combine quick approval timelines with flexible terms, allowing property owners to access equity without complex underwriting processes typically associated with conventional mortgages.
People
Jan Thomas
Mortgage Professional
Jan Thomas has specialized in private mortgage brokering for over 25 years, facilitating numerous complex real estate transactions across California. Known for exceptional client service and rapid execution, Jan personally manages all critical aspects of the loan process.
Questions
What loan programs do you offer?
We specialize in private party real estate loans requiring property equity instead of traditional credit scores. Our programs include bridge loans, bank statement loans, and equity-based financing up to $5M.
How quickly can you fund a loan?
Our standard processing takes 7-10 days, but we can expedite critical transactions to fund in as little as 7 days when required by real estate investment opportunities.
What documentation is required?
Basic property information and ownership verification are principal requirements. For customized rate quotes, 12-24 months of bank statements provide optimal pricing, but aren't mandatory.
Do you require perfect credit?
No, we prioritize property equity over credit scores. While strong credit can improve pricing, our private lending model focuses on real estate collateral value for approval decisions.
How do I get started?
Begin with our online application or contact Jan Thomas directly at 310.874.2451. Receive initial rate quotes within 24 hours with our streamlined evaluation process.
Are you licensed professionals?
Yes, we operate under DRE license #01206086 and maintain NMLS# 286140. Our team has over 25 years of combined experience in private mortgage brokering and real estate financing.
