SoCal Mortgage Company provides a highly individualized level of service for clients seeking residential or commercial mortgage financing. Our clients experience a high level of personal attention from Owner / Broker Mike Richardson who has 35 years experience in commercial banking and real estate finance. SoCal Mortgage maintains positive contacts with mortgage sources that are active in the lending marketplace. Our job is to carefully understand you and your company's financial requirements, properly present financial information to the lender, then move forward to close the loan transaction with the best possible rates and terms available. We handle nationwide financing for many types of properties using single family residentual, conventional and non-conventional commercial, Apartment Financing, SBA loans, and "Equity Only" loans. SoCal Mortgage has the lender and investor contacts that will yield the best results for our client.

TYPES OF PROPERTIES WE FINANCE NATIONWIDE
· Residential purchase or refinance
· Industrial
· Commercial
· Apartments
· Investor Owned
· Owner User
· Numerous types of single purpose properties

Mike Richardson Owner/Broker

"I have spent many years in commercial banking and mortgage finance. My career has spanned many economic cycles. However, at the beginning of 2019, it is a relief to find that many residential and commercial lenders are finally increasing their mortgage activities.  It is important to note that all lenders are still somewhat in a restrictive mode and underwriting standards are considered strict. So in this lending environment it is increasingly important for each loan to be properly presented to the lender with all of the significant credit and financial information properly presented and logically formatted. We are approved by over 100 lenders, our lender loan packages are eagerly accepted and we maintain a very high approval and funding rate. Also, in today’s business cycle we are constantly searching for new and reliable lenders. If you are thinking about mortgage financing please call me, I would be very happy to review your mortgage needs and discuss your options. Currently we are working hard to insure success and that may mean going outside the box to find a workable solution." 

Owner Users

Call Us Today!

As part of the economic stimulous the SBA has been authorized by the Federal Government to approve loans for the purchase and or refinance of owner-user commercial real estate. This is the first time in the history of the SBA that the SBA 504 loan could be used for refinace purposes. This means that many commercial properties will be able to arrange a refinance loan amount up to 90% of the current apopraised value.  Call Mike Richardson to discuss this very favorable financial opportunity.Please contact us anytime! We look forward to hearing from you.