Get Pre-Approved to Buy Your California Home
Walk into your home search with an offer sellers take seriously. We're a licensed broker that shops multiple lenders for you — so you get the loan that fits, not just the one a single bank sells.
- Free pre-approval — no cost, no obligation
- We compare multiple lenders on your behalf
- Conventional, FHA, VA, jumbo & self-employed programs
- Serving all 58 California counties
- $500 Best Price Guarantee — we match or beat any lender's locked loan estimate, or pay you $500
See what you qualify for
Takes about 60 seconds. A loan officer follows up — usually within one business hour.
- ✓ 100% free
- ✓ No obligation
- ✓ No SSN to start
Why buyers choose a broker over a bank
A bank offers one menu — its own. As an independent broker, Save Financial competes wholesale lenders against each other and brings you the option that actually fits your situation.
More lenders, one application
We submit once and shop your file across multiple wholesale lenders, instead of you applying to bank after bank.
Programs banks don't offer
Self-employed? Bank-statement and alternative-documentation options let you qualify on real cash flow, not just W-2s.
Local California expertise
From coastal jumbo purchases to first-time-buyer assistance, we structure loans around California's market and price points.
Straight answers, fast
You work with a licensed loan officer directly — not a rotating call center — from quote to close.
How pre-approval works
Share the basics
Complete the short form above. It takes about a minute and there's no cost or obligation.
We shop your options
A loan officer reviews your goals and compares programs and lenders that fit your purchase.
Get pre-approved
Receive a pre-approval you can shop with confidently — usually within one to two business days.
Loan programs we place
Whatever your purchase looks like, there's likely a fit. A quick conversation tells us which of these makes sense for you.
Self-employed? Bank statement, profit & loss (P&L), and VOE programs are alternative-documentation options to full-doc loans — you qualify on your business's cash flow instead of W-2s and pay stubs.
Buying an investment property? A DSCR loan lets you qualify on the property's own rental income — no tax returns and no personal income documentation. Great for investors whose write-offs make traditional qualifying tough.
What California clients say
Real, verified reviews from homeowners who financed with Save Financial.
"This is my fourth time working with Mike at Save Financial, and he's the reason I keep coming back… Professional, responsive, and honest about every step… I've already recommended him to friends looking for a California mortgage broker."
"Ali was fantastic!! We worked with 2 other companies that kept asking for the same documents over and over again… He was very patient, thorough, and got the job done, quick!!! Super fast, I was thoroughly impressed!!"
"I cannot say enough great things about this company… Ali is responsive, honest, hard working, and has impressed me each and every time I have worked with him. This company is the real deal and I could not be happier."
Ready to see what you qualify for?
Get a free, no-obligation pre-approval from a California mortgage broker who works for you.
Backed by our $500 Best Price Guarantee — you've got nothing to lose.
Get My Custom Quote →Common questions
How much does it cost to get pre-approved?
Nothing. A Save Financial pre-approval is free and carries no obligation. You can compare your options and walk away at any point with no cost and no commitment.
How fast can I get pre-approved?
Most borrowers receive a pre-approval within one to two business days once we have your basic income, asset, and credit information. If you need to move quickly on an offer, we can often prioritize same-day review.
Why use a mortgage broker instead of a bank?
A bank can only offer its own loan products. Save Financial is an independent mortgage broker, so we shop multiple wholesale lenders and present the option that fits you best. That competition among lenders often means a better fit than a single bank can offer.
Does getting pre-approved hurt my credit score?
A pre-approval involves a credit check, which is a hard inquiry and may lower your score by a few points temporarily. Multiple mortgage inquiries within a short shopping window are typically treated as a single inquiry by the scoring models, so comparing lenders does not compound the impact.
What do I need to get pre-approved in California?
Generally: proof of income (pay stubs, W-2s, or tax returns if you're self-employed), recent asset statements for your down payment and reserves, and authorization to check your credit. Self-employed buyers can also qualify with bank-statement or other alternative-documentation programs.
I'm self-employed with no W-2s or pay stubs — can I still qualify?
Yes. Bank-statement, profit-and-loss (P&L), and VOE (verification of employment) programs are alternative-documentation options to full-doc loans, built for self-employed and 1099 borrowers. Instead of W-2s and pay stubs, you qualify on your business's cash flow — often using 12–24 months of bank statements or a CPA-prepared P&L.
Can I buy a rental property using its rental income instead of tax returns?
Yes — with a DSCR (Debt-Service Coverage Ratio) loan. It lets real-estate investors purchase a rental property that qualifies on the property's projected rental income rather than your personal income, so no tax returns or W-2s are required. DSCR is designed for investment and rental properties, not owner-occupied primary residences.
Which areas of California do you serve?
All 58 California counties. Save Financial has offices in Newport Beach and Marina del Rey and works with buyers statewide.