Horizontal Mortgage Lending

Mortgage Broker serving Long Beach, CA

About Horizontal Mortgage Lending

Horizontal Mortgage Lending, established around 2020, assists borrowers in California with a wide range of mortgage needs, including purchases, refinances, and specialty programs. They pride themselves on providing straightforward answers and competitive rates, aiming to simplify the often-complex mortgage process for their clients.

The company specializes in navigating challenging financial situations, offering flexible solutions like bank statement loans for self-employed individuals, asset depletion programs, and options for foreign nationals. They distinguish themselves by leveraging both direct lending capabilities and a strategic network of lending partners to secure optimal rates and terms.

Horizontal Mortgage Lending is committed to transparency, ensuring clients fully understand their loan execution and associated costs, with a focus on closing on time without surprises. Their dedication to building sustainable client relationships underscores their mission to provide value and integrity in every transaction.

Company Information

Founded: 2020
Lender Type: Mortgage Broker

Licensed In

CA

Certifications & Credentials

Licensed by the CA Bureau of Real Estate

Digital Capabilities

Online Application
Pre-Qualification Tool
Online Account Management
Rate Calculator

Home Loan Products

Residential Mortgage Solutions

Loan Types:
ConventionalFHAVAUSDAJumboRefinanceCash-Out RefinanceHELOCConstructionNon-QMBank StatementAsset DepletionReverse MortgageSecond Mortgage
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedRetired
Income Verification:
Full DocumentationBank StatementAsset DepletionStated Income
Special Programs:
First-Time HomebuyerRenovation LoanFHA 203kLow Down Payment ProgramNo PMI ProgramForeign National ProgramSelf-Employed ProgramBank Statement ProgramDown Payment AssistanceHomeReady ProgramAsset Depletion Program
Credit Tiers:
Fair (620-679)Poor (580-619)
1%
Min Down Payment
100%
Max LTV

Commercial Loan Products

Commercial Core Program

Loan Types:
Conventional CRESBA 7(a)
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityLandMixed-Use

Commercial Bridge-to-Core Program

Loan Types:
Bridge Loan
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityLandMixed-Use

Commercial Construction Loans

Loan Types:
Commercial Construction
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityManufacturing

Contact Information

5318 E 2nd St # 2817
Long Beach, CA 90803
US

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Business Information

Category: Mortgage Broker
Location: Long Beach, CA
Status: Standard
Founded: 2020
Type: Mortgage Broker
NMLS ID: 1616081
Profile Views: 11

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