We understand that every homebuyer has unique financial circumstances and aspirations. We understand your needs and offer tailored mortgage solutions.
Our streamlined processes are designed to simplify your home financing journey, reducing unnecessary delays and ensuring a faster path to approval.
We provide clear communication, honest guidance, and no hidden fees, ensuring a smooth and reliable home financing experience.
With years of experience in the Southern California real estate market, Sapphire United Loans was founded on the principle of helping clients manage their biggest investment: their home.
We believe that mortgage brokers should be more than just transaction handlers; we are your long-term debt managers. To simplify the mortgage process with personalized solutions that help individuals and families achieve their homeownership and financial goals.
Whether you’re a first-time homebuyer, looking for an upgrade, looking to cash out, or to invest, we provide loan options that work for your budget and goals.
Whether you're buying your first home or upgrading to your dream house, we offer loan options designed to fit your budget and aspirations.
We offer tailored debt consolidation loans that help you reduce interest rates, lower monthly payments, and manage your debt.
Are you paying too much on your current mortgage? We offer refinancing options that help you lower your monthly payments, reduce your interest rates.
We begin by understanding your financial situation and goals. Whether you’re buying a new home or looking to refinance, we start with a free consultation to assess your needs.
Once we understand your goals, we’ll guide you through the pre-qualification process. With access to multiple lenders, we’ll ensure you will get a pre-approval for the best loan terms available.
Based on your pre-approval, we’ll present you with a range of loan options tailored to your needs. We’ll help you understand each option and choose the one that works best for you.
Our team will handle all the paperwork and ensure everything is in order for your loan application. We’ll be with you every step of the way to make sure everything goes smoothly.
Once your application is approved, it’s time to close the deal. We’ll help you sign the final documents and secure your loan, making sure everything is clear and easy to understand.
Our team will handle all the paperwork and ensure everything is in order for your loan application. We’ll be with you every step of the way to make sure everything goes smoothly.
The first step is to get pre-approved for a mortgage. This helps you understand how much you can borrow, what loan options are available, and allows you to shop for homes within your budget.
We offer a variety of mortgage loans, including Conventional, FHA, VA, and USDA loans, as well as refinancing options. We’ll help you choose the one that best fits your financial situation and goals.
The approval process can take anywhere from a few days to a few weeks, depending on the complexity of your application and the documentation required. We work efficiently to ensure your mortgage is processed as quickly as possible.
Down payment requirements vary depending on the type of loan. However, 20% down is not always required! Conventional loans only require 5% down, but there are options with lower down payments, such as FHA loans with as little as 3.5% down or, if you’re a first-time home buyer, you may do a Conventional loan with as little as 3% down. We’ll help you understand your options.
You’ll need several documents, including proof of income (pay stubs or tax returns), credit history, employment verification, bank statements, and personal identification. We’ll provide you with a complete checklist to ensure you have everything you need.
Yes, refinancing can help you lower your interest rate, change your loan term, or consolidate debt. We’ll help you determine if refinancing is the right option based on your current financial situation.
Licensed by California Department of Financial Protection and Innovation. Loans made or arranged pursuant to under a California Financing Law license #60DBO-193067
