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.

Loan limits depend on the loan type and the property’s county. For conventional (conforming) loans, see our 2026 California Conforming Loan Limits page →. For FHA-insured loans, see our 2026 FHA Loan Limits page →. In Los Angeles and Orange Counties the two happen to align at the same ceiling figure for 2026; in Riverside and San Bernardino Counties, the FHA limit is lower than the conforming limit.

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.

For a typical conventional, FHA, or VA application, most borrowers are asked for:

• Income: last 30 days of pay stubs, last 2 years of W-2s, and (if self-employed, commissioned, or have rental/other income) your last 2 years of federal tax returns
• Assets: last 2 months of statements for checking, savings, and any investment or retirement accounts
• Employment: employer name and contact information for verification, plus a letter explaining any recent job changes or gaps
• Identification: a government-issued photo ID and your Social Security number, plus authorization for us to pull your credit
• Debts & obligations: statements for any current loans or debts not already showing on your credit report, and — if applicable — divorce decree or child support documentation
• Property (for a purchase): a signed purchase agreement once you’re under contract, and proof of homeowners insurance before closing
• Property (for a refinance): your current mortgage statement
• Gift funds, if used: a signed gift letter and proof the funds came from the donor’s account

Non-QM programs (DSCR, Bank Statement, Asset-Depletion, and similar) substitute alternative documentation — bank deposits, a P&L statement, or asset statements — in place of traditional tax returns and pay stubs. We’ll confirm the exact list for your situation once we know which program fits.