Our founder, Adam Evans, entered the mortgage industry at the young age of 21 to support his daughter. Through his experience, he recognized that there were inefficiencies in the traditional referral-based real estate services model that drove up costs for consumers. To address this, he founded Long Beach Home Loan in 2015 with the mission of marketing directly to people and passing on the resulting savings to customers. By cutting out unnecessary overhead costs, we are able to offer highly competitive rates and better service to our clients.
Who We Are
We are a dedicated group of experienced professionals who are passionate about helping people analyze and lower their mortgage payments. Our goal is to provide refinancing services at a lower cost to the consumer, so that we can pass on the savings to our clients. We believe in treating everyone with the utmost professionalism, courtesy, and empathy, ensuring that our clients receive the best possible financing for their home. Our guiding principle is simple - we treat our clients like family, providing them with the same deal we would offer to our own loved ones. We understand that refinancing can be a stressful and confusing process, but our team is here to make it as easy and transparent as possible. We are committed to providing the highest level of service, expertise, and integrity to our clients. At our company, you can trust that we have your best interests at heart.
We are committed to a bold vision of financial empowerment for everyday Americans. We believe that access to affordable financing can be a key factor in helping people achieve freedom and independence in their lives. We have made it our mission to provide transparent and trustworthy lending solutions that prioritize the needs of our customers. By lowering payments and offering fair and competitive rates, we aim to create a path to financial stability and prosperity for as many people as possible. Through our work, we hope to be a force for positive change in the lending industry and help people achieve their dreams.
FHA refinancing is a mortgage refinancing option backed by the Federal Housing Administration that offers lower interest rates, flexible repayment terms, and reduced monthly mortgage payments. It's ideal for homeowners who want to save money and may not meet traditional lending criteria.
Conventional refinance is a private mortgage refinancing option that offers lower interest rates, shorter repayment terms, and the ability to remove private mortgage insurance (PMI) for eligible borrowers. It requires a higher credit score and lower debt-to-income ratio than FHA refinancing.
VA refinance is a mortgage refinancing option available to eligible veterans, active-duty service members, and surviving spouses. It offers lower interest rates, reduced monthly mortgage payments, and access to home equity without requiring a down payment or private mortgage insurance. VA refinance programs include the IRRRL and Cash-Out Refinance, each with their own eligibility requirements and benefits.
Streamline refinances are a simplified mortgage refinancing option that require minimal paperwork and documentation. They're typically offered by government-backed loan programs like FHA and VA and offer lower interest rates and reduced monthly payments. Streamline refinances can be a great option for borrowers who want to save time and money on their mortgage payments.
Cash-out refinance is a mortgage refinancing option that allows borrowers to access their home equity by borrowing more than their outstanding loan balance. The extra funds can be used for a variety of purposes. This option can be advantageous for homeowners who have built up equity in their homes and want to leverage that value to meet their financial goals.
Deep Industry Knowledge
We pride ourselves on having a deep understanding of the mortgage industry and the economic conditions that can impact it. We have a wealth of knowledge and experience in multiple loan programs, giving us the expertise needed to help you find the best possible financing options. Unlike other mortgage companies, we take a personalized approach and go beyond the surface level to understand your unique financial situation and goals. With our industry knowledge and commitment to excellence, we're confident that we can help you make informed decisions about your mortgage and achieve your homeownership dreams.
Years of Experience
As a company specializing in refinancing home loans, we have over a decade of experience in the industry. Over the years, we have funded thousands of refinances, including streamline refinances, cash out refinances, debt consolidation, and more. Our team's extensive experience in this area has given us a deep understanding of the refinancing process, allowing us to help our clients get lower payments and improve their financial position. We take pride in our history of providing personalized solutions tailored to each client's unique needs and goals.
Transparency and Compassion
At our company, we believe in transparency and honesty in all aspects of the real estate industry. Unlike other companies that operate on a hidden model driven by greed, we offer a simple and fair fee structure. With a flat 1% fee, often paid for by the lender, we have nothing to hide and can focus on passing as much savings as possible to our clients. Our lower overhead model allows us to provide the best rates and exceptional service to our clients. With us, you can rest assured that you are getting a transparent and fair deal, with no hidden fees or surprises. We are committed to putting our clients first and helping them achieve their financial goals.