The Right Loan.
Structured for You.
Over 20 years navigating California's mortgage market. Purchase, refinance, and private capital solutions built around your actual situation, not a rate sheet.
Full-Spectrum Mortgage Solutions
Across Southern California
From first-time buyers to complex investment structures, every file is handled with direct broker attention and deep market knowledge.
Pre-qualification to clear-to-close. Competitive rates across all major loan programs with access to 100+ investors.
- Pre-qualification within 24 hours
- Multiple lenders, best-rate matching
- SoCal market expertise
- First-time buyer programs available
Rate reduction, cash-out, or term adjustment. We analyze your full picture before recommending a refinance path.
- Rate and term refinance
- Cash-out up to 80% LTV
- 2/1 and 1/0 buydown programs
- Streamline options for FHA and VA
When conventional financing won't move fast enough or won't qualify the deal, private money fills the gap with structure.
- Bridge and hard money lending
- Foreclosure rescue and reinstatement
- Fix and flip financing
- Investor and non-owner occupied
From Application to Funding
We review your income, credit, and goals to identify the right loan structure before you spend time on paperwork.
We compare programs across 100+ lenders and present the options that actually match your situation.
Documentation, appraisal, and underwriting are managed directly with consistent communication throughout.
Final conditions cleared, closing disclosure issued, and funds confirmed on schedule.
20 Years of Deals,
Not Just Loans
Troy Mire has operated as a licensed California Real Estate Broker and Mortgage Professional for over two decades. His background spans brokerage, direct lending, and private capital, which means he approaches every file as a deal, not just a transaction.
Based in Southern California, he works with buyers, homeowners, and investors across residential and investment properties, with a specific focus on complex situations that require more than a standard approval path.
Mortgage Calculators
Options Across Every Situation
Every loan program has a place. The goal is matching your file to the right one, not fitting your file into one program.
Fannie Mae and Freddie Mac backed loans for qualified borrowers. Best rates for strong credit profiles.
Government-backed with flexible qualification. Ideal for first-time buyers or those rebuilding credit.
Zero down for eligible veterans and active military. No PMI and competitive rates backed by the VA.
Above conforming loan limits. Portfolio product requiring strong reserves, income, and credit history.
Bank statement, asset depletion, DSCR, and foreign national programs for borrowers outside standard qualification.
Zero down for eligible rural and suburban properties. Income limits apply. Strong option in qualifying SoCal areas.
When the Timeline Won't Wait
Conventional lending has hard limits. Timeline pressure, complex title, non-warrantable properties, and distressed situations all require a different approach. Private capital is deployed when structure and speed matter more than the rate sheet.
Short-term first position capital to bridge a gap between purchase, stabilization, and permanent financing. Closings in days, not weeks.
Reinstatement capital and structured bridge solutions for homeowners with active NODs, trustee sale timelines, or significant equity at risk.
Purchase and rehab capital for investors. LTV-based underwriting focused on ARV, not just the borrower's income history.
Private capital is not a last resort. It is a precision tool. Used correctly, it preserves equity and creates a controlled exit path. Call directly to discuss your situation.
(562) 244-7963 — Direct LineEquity position, lien structure, title, and timeline pressure are evaluated before capital is discussed.
Capital structure is executed to remove immediate pressure and restore control of the asset.
Refinance, structured sale, or repositioning strategy is aligned with actual SoCal market conditions.
Market Updates & Lending News
The real estate market is shifting. Interest rates remain unstable and underwriting overlays have tightened at major banks. Private capital is filling a growing structural gap for qualified borrowers who no longer fit standard boxes.
Demand is growing for smaller, more affordable homes across Southern California. This shift has meaningful implications for loan sizing, program selection, and what buyers can realistically compete for in today's market.
Owning a home is one of the largest financial positions most people carry. Understanding how lenders assess value versus how markets price it is critical before any refinance, sale, or equity-based decision.
Start the Conversation
Every situation is different. A short call is the fastest way to determine what program fits, what timeline is realistic, and what the actual costs will be.