Rose Black - Certified Mortgage Advisor
Mortgage Broker serving Huntington Beach, CA
About Rose Black - Certified Mortgage Advisor
Rose Black is a Certified Mortgage Advisor with over 20 years of experience in the mortgage industry, uniquely augmented by her background as a real estate and trust attorney. Operating as a mortgage consultant, she offers a deep understanding of complex financial and legal aspects of home financing, serving clients primarily in Long Beach, CA, and surrounding areas.
Rose's approach is highly consultative and relationship-driven, focusing on customizing loans to align with clients' long-term real estate planning and strategic asset management goals. She prides herself on identifying the right mortgage solution from a wide array of choices, rather than simply processing transactions, ensuring favorable rates and flexible financing terms by partnering with various lenders.
Specializing in challenging loans, Rose Black provides expertise in conforming, FHA, VA, Jumbo, and Reverse Mortgages. She serves a diverse client base, including first-time homebuyers, investors, retirees, self-employed individuals, and those new to the United States, demonstrating a commitment to proactive client management and accessibility throughout the entire mortgage process.
Rose's approach is highly consultative and relationship-driven, focusing on customizing loans to align with clients' long-term real estate planning and strategic asset management goals. She prides herself on identifying the right mortgage solution from a wide array of choices, rather than simply processing transactions, ensuring favorable rates and flexible financing terms by partnering with various lenders.
Specializing in challenging loans, Rose Black provides expertise in conforming, FHA, VA, Jumbo, and Reverse Mortgages. She serves a diverse client base, including first-time homebuyers, investors, retirees, self-employed individuals, and those new to the United States, demonstrating a commitment to proactive client management and accessibility throughout the entire mortgage process.
Company Information
Lender Type: Mortgage Broker
Headquarters: Long Beach, CA
Licensed In
CA
Certifications & Credentials
Certified Mortgage AdvisorNMLS Licensed
Digital Capabilities
Online Application
Pre-Qualification Tool
Rate Calculator
Home Loan Products
Conventional and Conforming Loans
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedRetiredInvestor
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
Government-Backed Loans
Loan Types:
FHAVAUSDARefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-EmployedRetired
Income Verification:
Full Documentation
Special Programs:
FHA 203kVeteran ProgramFirst-Time HomebuyerRenovation Loan
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
Jumbo Home Loans
Loan Types:
JumboRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedInvestor
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)
Non-Conforming and Specialty Loans
Loan Types:
Non-QMJumboRefinanceCash-Out RefinanceHard MoneyBridgeConstructionSecond MortgageHome Equity Loan
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorInvestorBusiness Owner
Income Verification:
Full DocumentationBank Statement
Special Programs:
Self-Employed ProgramForeign National Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
20%
Min Down Payment
80%
Max LTV
Reverse Mortgages
Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
Retired
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
Contact Information
17011 Beach Blvd Suite 510
Huntington Beach, CA 90803
US
Mailing Address:
17011 Beach Blvd. Suite 510 Huntington Beach, CA 92647
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Business Information
Category: Mortgage Broker
Location: Huntington Beach, CA
Status: Standard
Type: Mortgage Broker
NMLS ID: 1694440
Profile Views: 1
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