Answers before you ask.

Reach out through Get Pre-Qualified → or Apply Now → — Get Pre-Qualified is the lower-commitment starting point if you’re just exploring options.

Get Pre-Qualified is a conversation to understand your situation and options. Apply Now takes you to our secure application to formally start the loan process.

Both, depending on the loan. A direct lender funds and closes a loan in its own name — often a faster, more streamlined process for the specific programs that lender offers, but you’re limited to that one lender’s rates and guidelines. A mortgage broker doesn’t fund loans directly; instead, a broker shops your loan across multiple wholesale lenders to find the best rate and program for your situation, which is especially useful for self-employed borrowers, investment properties, or loans that don’t fit a standard box. Nationwide Funding Group Corp operates as a direct lender for a narrow set of conventional loans, and as a licensed California mortgage broker (CA DRE Corporation #01801836, NMLS #98906) for all other California loans and our Non-QM/investor programs nationwide. Either way, you work with the same licensed team from application through closing.

Getting pre-qualified and asking questions doesn’t cost you anything upfront. Specific fees associated with any loan are disclosed to you directly as part of that loan’s own paperwork — never guessed at here.

Yes — our Purchase, Refinance & HELOC, FHA, and VA programs are available for properties located in California only. (Our Non-QM and investor programs, covered separately, are available nationwide.)

FHA loans are insured by the Federal Housing Administration and are open to a broad range of qualifying buyers, generally known for flexible credit and down-payment guidelines. VA loans are guaranteed by the Department of Veterans Affairs and are available specifically to eligible veterans, active-duty service members, and certain surviving spouses.

There isn’t one typical first-time buyer. We regularly work with buyers of every age and household structure, including buyers getting help from family — whatever your situation looks like, it’s a normal starting point for this conversation.

It depends on your specific situation — this is exactly the kind of question worth a direct conversation rather than a generic answer. Get Pre-Qualified → and we’ll walk through it.

Non-QM (“non-qualified mortgage”) loans are structured outside the standard conventional-loan documentation rules — built for borrowers whose income or situation doesn’t fit a traditional W-2/tax-return underwriting model.

Our Non-QM lineup — DSCR, Bank Statement, Asset-Depletion, ITIN, Foreign National, and P&L-Only — is offered as business-purpose lending for non-owner-occupied investment or business property. See our full lineup → for details on each program.

Yes — our Non-QM and investor loan programs are available nationwide, separately from our California-only consumer loan programs.

Every wholesale investor sets their own specific guidelines, and those numbers genuinely vary from loan to loan — so rather than publish a figure that may not apply to your scenario, we walk through current guidelines directly with you. Contact us → to talk it through.

It depends on how your income and financial picture actually look — DSCR for investment-property income, Bank Statement or P&L-Only for self-employed income, Asset-Depletion for asset-rich borrowers, ITIN for borrowers without a Social Security number, and Foreign National for non-U.S.-citizen buyers and investors. Explore all six programs → or reach out and we’ll help you narrow it down.

It depends on the loan program — conventional CA programs typically involve income and asset documentation like pay stubs, tax returns, and bank statements, while our Non-QM programs use alternative documentation (bank deposits, a P&L statement, asset statements, and so on) specific to the program. We’ll give you an exact list once we know which program fits.

Timelines vary by loan type, documentation, and how quickly paperwork comes together on your end — we’re not going to quote you a specific number here, but we’ll keep you posted at every stage once your file is moving.

Most purchase and many refinance transactions require an appraisal — we’ll confirm what applies to your specific loan as part of the process.

Our California consumer loan programs (Purchase, Refinance & HELOC, FHA, VA) are licensed for California properties. Our Non-QM/business-purpose programs are offered nationwide. Full licensing details are on our Licensing & Disclosures → page.

Our focus is the Greater Los Angeles area — Los Angeles, Orange, Riverside, and San Bernardino Counties — see our Service Areas → page for the specific cities we cover. That said, we’re licensed to originate Purchase, Refinance & HELOC, FHA, and VA loans anywhere in California, and our Non-QM/investor programs are available nationwide.