Sherman Oaks's housing market spans a wide range, from entry-level buyers to luxury and investment property purchases. We carry a deep menu of loan programs so the right one is always on the shelf when you need it.
Sherman Oaks sits in Los Angeles County within south San Fernando Valley, hillside luxury and walkable mid-luxury flats. Buyers and homeowners here are within easy reach of the Westfield Fashion Square, Ventura Boulevard shops, the Sepulveda Pass.
Schools are served by Los Angeles Unified School District. Common neighborhoods we work in include Sherman Oaks Hills, Chandler Estates, South of the Boulevard.
These are the loan programs we use most often with Sherman Oaks buyers and homeowners, but we offer all California mortgage programs.
Mortgage programs built for business owners, 1099 contractors, and freelancers.
Learn more →Qualify on rental income alone, no W-2s, no tax returns. Built for real estate investors.
Learn more →Streamlined qualification using a single Verification of Employment. No tax returns required.
Learn more →Qualify using 12 or 24 months of personal or business bank statements.
Learn more →Qualify on a CPA-prepared P&L. The cleanest non-QM paperwork pathway.
Learn more →The right loan for your next home, competitive rates, fast pre-approval.
Learn more →Lower your rate, shorten your loan, or pull cash out of your equity.
Learn more →Low down payments, assistance programs, and step-by-step guidance.
Learn more →3.5% down, credit scores from 580, and flexible underwriting.
Learn more →0% down financing for veterans, active duty, and eligible families.
Learn more →3% down for qualified buyers and cancellable PMI at 20% equity.
Learn more →Financing above conforming limits for luxury and high-cost-area homes.
Learn more →Tap your equity for renovations, debt consolidation, or major expenses.
Learn more →Borrow against your equity without touching your existing low-rate first mortgage.
Learn more →DSCR, conventional, and portfolio loans for serious investors.
Learn more →Build, expand, or finance an accessory dwelling unit through our ADU loan partner.
Learn more →Purchase loans, refinance, FHA, VA, conventional, jumbo, HELOC and home equity, investment property (including DSCR), bank-statement loans for self-employed borrowers, and ADU financing through our partner.
Yes. FHA loans work in Sherman Oaks as long as the property meets FHA's minimum standards and the loan stays within FHA's county limit. We've closed many FHA loans here.
Absolutely. We help eligible veterans, active-duty service members, and qualifying surviving spouses use the VA benefit in Sherman Oaks, 0% down, no monthly mortgage insurance, and competitive rates.
FHA loans can accept credit scores as low as 580 (sometimes 500 with a larger down payment). Conventional loans typically want 620+. The best rates kick in at 740+. We pull credit and tell you exactly which programs you qualify for.
Hill properties in Sherman Oaks typically push into jumbo loan territory. We have lender relationships specifically for hillside California properties, including hillside-specific appraisal considerations.
Free, fast, and no credit pull to start. We respond within 1-2 business days.