Lexington Home Loans is an Irvine-based, California-licensed mortgage broker serving the state since 2007 — from the coastal metros to the Central Valley and the Inland Empire. Whatever the scenario, we find the path.
California is our home state and our largest market. High-cost counties support higher conforming and high-balance loan limits, and the state’s large base of self-employed and small-business borrowers is exactly where our bank-statement and non-QM programs shine. From first-time buyers in the Inland Empire to equity-rich homeowners on the coast weighing a reverse mortgage, we place loans across every county.
From first homes to investment properties, the full lineup — and the hard-to-place loans most lenders decline.
Low down payments for primary homes, with options under 20% down.
Government-backed loans down to a 500 FICO where others stop at 580.
Financing above conforming limits for higher-value homes.
Tap equity or lower your rate without touching your first mortgage.
For homeowners 62+, down to a 500 FICO with past mortgage lates OK.
Qualify a rental on its own cash flow — down to a 0.75 ratio.
Self-employed income read from 12–24 months of deposits, no W-2 needed.
Tell us the scenario — commercial inquiries are welcome.
Nine calculators, from payment to investor cash flow.