Built Around Your Loan Scenario

California mortgage brokerage structured around your scenario — clear loan options for purchase, refinance, construction, and investors. Agent-friendly. Expedited through closing.

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California11 home representing purchase and refinance mortgage scenarios

Pick Your Scenario

Self-Employed or Complex Income

Investor Purchase (DSCR)

Construction or Ground-Up

Jumbo / High-Balance Purchase

Refinance (Rate-Term / Cash-Out)

Second Home / Vacation Purchase

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Built for Agent Referrals

Buyer’s Agents — Complex income & tight timelines
Listing Agents — Cash-out & pre-sale financing clarity
Investor Agents — DSCR & rental portfolio execution
Luxury / Jumbo Agents — High-balance payment strategy
Construction Brokers — Ground-up & one-time close loans

How a Client Scenario Becomes Clear Loan Options

You Refer the Deal

Submit the basics. No commitment, no disruption to your client relationship.

We structure loan options

We analyze the file and identify options that support your path to closing.

You decide next steps

You decide when and how to engage the borrower to move the file forward—always transparently.

Meet the Licensed Team

Sam Zavosh

Broker of Record
DRE #01900872 | NMLS #1132725

Irakli Ezugbaia

Mortgage Professional
DRE #02271654 | NMLS #2728634 | CMP

Get in touch with us Request Loan Options

Wholesale Lending Access

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How We Protect Agent-Client Relationships

Referral-only operating model
Agent-first communication protocol
No future borrower solicitation
California-licensed mortgage brokerage
Privacy and data-handling compliance

Why Agents Trust Us With Their Client Relationships

Know what’s viable before your client commits.
You stay the primary point of contact.
No lead capture. No refinance marketing. Ever.
Your referral. Your relationship. Our execution support.

California9 home representing purchase and refinance mortgage scenarios

Need Financing Clarity Before Your Client Writes the Offer?

Send the scenario early. Clear loan paths prevent renegotiations, appraisal issues, and last-minute surprises.