Southern California Mortgage Loans: Discover Your Home Buying Options 

Explore the best mortgage rates and home buying opportunities in Southern California with Michael Moseby, your mortgage expert. Whether upgrading, investing, or buying for the first time, we make your real estate ambitions a reality.

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Looking to buy a home in Southern California but unsure of your options? 

  • Need help finding the best mortgage rates in Southern California? 
  • Confused by the variety of home loan assistance programs in Southern California? 
  • Seeking a straightforward mortgage pre-approval process? 
  • Want to calculate potential monthly payments easily?
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Need help?

Have any questions? We’re here to answer any questions you might have. 

Your Premier Mortgage Partner in Southern California

Expert Mortgage Guidance 

We provide expert guidance on all your mortgage options in Southern California, ensuring you understand everything from loan calculations to securing the best rates.

Efficient Loan Processing 

Experience a seamless and efficient loan approval process, helping you secure your home quicker with the best terms tailored to your financial needs.

Access to Assistance Programs 

Leverage our deep knowledge of home loan assistance programs to reduce costs and meet your specific financial situations.

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Meet Michael Moseby: Your Trusted Mortgage Specialist 

With over two decades in the mortgage industry and a deep commitment to clients in Southern California, Michael Moseby offers unmatched expertise and personalized service, ensuring you make the best decisions for your home financing.

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Real Stories From Our Clients

5 stars
"Michael had great communication with client, buyer agent, and listing agent.  He communicated with each listing agent before our offers were accepted / countered.  The listing agent said that the reason they accepted our offer, even though at a lower offer price, was because of our professionalism."
Real Estate Agent
Luis
5 stars
"Michael was always available to answer questions for the client and myself. He was great to work with always had a good attitude about having help to get the file closed and on board with putting the client 1st at all times!"
Real Estate Agent
Michele
5 stars
"Michael responded fast to all our questions and took his time to explain us everything so we knew what we were getting into."
Homeowner
Elodie
5 stars
"Michael gets things done faster than most lenders. He is extremely nice, warm, friendly person. He is very quick in responding back to email, texts or calls. He is the man to go to! I highly recommend him if you are searching for a reliable lender. Thank you Michael for making my house hunting experience smooth and hassle free!"
Real Estate Agent
Jesika
5 stars
"Another easy and fast closing. Thanks for all your hard work Michael!"
Real Estate Agent
Rhiannon
5 stars
"They are next level and will pull out all the stops to get you the dream home you deserve!"
Homeowner
Nathan
5 stars
"Mike is stellar. Efficient, quick to respond, available and transparent. Couldn't ask for anything more in a loan officer. Would highly recommend to anyone, particularly if you are looking to quick close a purchase."
Real Estate Agent
Eric

Frequently Asked Questions When Buying a House in Southern California

What should repeat homebuyers consider when purchasing another home? 

Consider the timing of the sale of your current home and securing a new mortgage, and evaluate how market conditions affect your buying power.

How does buying a second home or investment property differ from a first home purchase? 

Financing for second homes or investment properties typically requires a higher down payment and may have stricter credit requirements.

Can I use equity from my current home to buy another? 

Yes, you can leverage the equity in your current home through a home equity line of credit (HELOC) or cash-out refinance to fund another purchase.

Ready to get started?

If you're a prospective homeowner, looking to refinance, or a real estate agent seeking a reliable partnership, click the button below to schedule your free consultation call now.