Troy Mire | California Mortgage & Private Capital
Licensed California Broker · NMLS 1795353 · DRE 01199870

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.

20+ Years in Market
$250M+ Funded in SoCal
3 Active Licenses
Quick Start
Find the loan that fits your situation
Purchase
Conventional, FHA, VA, Jumbo
Private Capital
Bridge, Hard Money, Rescue

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.

Home Purchase

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
Get Pre-Qualified
Home Refinance

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
Run the Numbers
Private Capital

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
Learn More

From Application to Funding

01
Pre-Qualification

We review your income, credit, and goals to identify the right loan structure before you spend time on paperwork.

02
Loan Selection

We compare programs across 100+ lenders and present the options that actually match your situation.

03
Processing

Documentation, appraisal, and underwriting are managed directly with consistent communication throughout.

04
Clear to Close

Final conditions cleared, closing disclosure issued, and funds confirmed on schedule.

Professional Photo
$250M+ Funded Across SoCal

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.

NMLS 1795353  |  Licensed Mortgage Professional
DRE 01199870  |  California Real Estate Broker
Equal Housing Opportunity  |  All loans subject to approval

Mortgage Calculators

Estimated Monthly Payment
$3,992
Principal & interest + taxes + insurance
Loan Amount $520,000
Principal & Interest $3,547
Property Tax $542
Insurance $150
Total Interest (30yr) $757,000
Principal vs Interest split
Principal 40% Interest 60%
Year 1 Payment
$3,068
Reduced rate for first year
Year 1 Rate 5.25%
Year 2 Rate 6.25%
Year 3+ Rate 7.25%
Year 2 Payment $3,458
Year 3+ Payment $3,413
Total Buydown Cost $8,280
Monthly Savings
$293
Per month after refinance
Current Payment $3,434
New Payment $3,141
Break-Even 33 months
5-Year Savings $7,980

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.

Conventional

Fannie Mae and Freddie Mac backed loans for qualified borrowers. Best rates for strong credit profiles.

Min Down3% – 20%
Credit620+ (740 for best pricing)
Max Loan$806,500 (SoCal conforming)
VA

Zero down for eligible veterans and active military. No PMI and competitive rates backed by the VA.

Min Down0%
PMINone
EligibilityVeterans, Active, Surviving Spouse
Jumbo

Above conforming loan limits. Portfolio product requiring strong reserves, income, and credit history.

Min Down10% – 20%
Credit700+
Loan Size$806,501 and above
Non-QM

Bank statement, asset depletion, DSCR, and foreign national programs for borrowers outside standard qualification.

Income DocBank Statements, P&L, DSCR
CreditFlexible (600+)
Use CaseSelf-employed, Investor
USDA

Zero down for eligible rural and suburban properties. Income limits apply. Strong option in qualifying SoCal areas.

Min Down0%
IncomeLimits apply by county
LocationUSDA-eligible areas only

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.

Bridge Lending

Short-term first position capital to bridge a gap between purchase, stabilization, and permanent financing. Closings in days, not weeks.

Foreclosure Rescue

Reinstatement capital and structured bridge solutions for homeowners with active NODs, trustee sale timelines, or significant equity at risk.

Fix and Flip

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 Line
24hr
Typical Term Sheet
7–10
Day Close Possible
65%
Max LTV First Position
SoCal
Primary Deployment Area
Methodology
1.

Equity position, lien structure, title, and timeline pressure are evaluated before capital is discussed.

2.

Capital structure is executed to remove immediate pressure and restore control of the asset.

3.

Refinance, structured sale, or repositioning strategy is aligned with actual SoCal market conditions.

Market Updates & Lending News

June 2025
Why Traditional Lenders Are Saying No and Why Private Capital Is Now Essential

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.

September 2023
Compact and Budget-Friendly Housing: What the Shift Means for Buyers

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.

April 2023
How to Find Your Home's True Value Before You Make a Move

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.

Direct Line
(562) 244-7963
Service Area
Southern California — All Counties
Response Time
Same business day
Send a Message