Conventional Loans
The most common purchase loan type. Competitive rates and flexible terms for buyers with strong credit and a down payment of 3–20%. Available for primary residences, second homes, and investment properties.
California Purchase Loans
Buy Your Next Home With Confidence
Get pre-qualified fast and confidently buy your next home. Serving homebuyers throughout California.
Free pre-qualifications·Competitive wholesale rates·Fast, on-time closings
Buying in California
Start With the Right Loan Strategy
If you're planning to purchase a home, your interest rate and loan options depend on several key factors: your credit score (FICO), down payment, loan type, property type, and your income and current debts.
Most buyers don't realize how much these variables impact their rate — and more importantly, how to position themselves for the best possible loan. That's where I come in.
The Broker Advantage
How I Get You the Best Deal
I work with multiple lenders, not just one bank. That means:
- Rates compared across lenders to find the best option
- Your scenario matched to lenders that favor it
- Loan structured to reduce your long-term cost
Lenders adjust pricing daily based on market conditions. Knowing which lender to use at the right time can make a significant financial difference.
Why Not Just Use a Bank or Online Lender?
Going Directly to a Bank
You're limited to their rates and products only.
Working With Me
- Access to wholesale rates
- Multiple loan options tailored to your situation
- Personal guidance from start to finish
Why Rate Matters
Small Rate Differences = Big Money
Even a small difference in rate matters. On a $500,000 loan:
~$80/month savings
0.25% lower rate
$29,000+ saved
Over 30 years
The goal isn't just getting a loan — it's getting the right loan.
Loan Options
Purchase Loan Programs
FHA Loans
Backed by the Federal Housing Administration, FHA loans allow down payments as low as 3.5% and are more flexible on credit requirements — ideal for first-time buyers or those rebuilding credit.
VA Loans
Exclusively for eligible veterans, active-duty service members, and surviving spouses. VA loans offer 0% down payment, no private mortgage insurance, and competitive interest rates.
Jumbo Loans
For purchase prices that exceed conforming loan limits. Jumbo loans are available for high-value California properties and require strong credit and a larger down payment.
HECM For Purchase
A unique option for buyers 62 and older. Use a reverse mortgage to purchase a new primary residence with no monthly mortgage payments required — ideal for seniors downsizing or relocating.
Personal Service
What It's Like to Work With Me
David Simon
Sr. Loan Officer
- Available beyond typical 9–5 hours
- Experienced with first-time buyers and complex scenarios
- Clear, honest communication — no surprises
- Problem-solver when challenges come up
- Strong lender relationships to help get deals approved
I make sure you fully understand the process so you can move forward with confidence.
Pre-Qualification
Get Pre-Qualified With Confidence
In today's market, sellers want to know your loan will close — and close on time. I will help you:
- Get pre-qualified quickly
- Shop in the right price range
- Strengthen your offer with a reliable approval
- Close within required timelines
How It Works
The Purchase Process
01
Free Consultation
Review your financial goals, income, credit, and down payment to identify the best loan programs for you.
02
Pre-Approval
Receive a pre-approval letter so you can make competitive offers with confidence in California's fast-moving market.
03
Loan Processing
Once under contract, all documentation, appraisal coordination, and underwriting is handled efficiently.
04
Clear to Close
Final disclosures, signing, and funding — so you get your keys on time.
Client Reviews
What Clients Say
"David is knowledgeable, responsive, and fast… highly recommended."
Lisa
Long Beach
"He went above and beyond… anyone would be lucky to have him."
Phillip
Los Angeles
"He took a difficult situation and made it possible… truly cares."
Valerie
Altadena
Ready to Buy Your Next Home?
Let's see what you qualify for and how to structure your loan the right way. Call or text me today for a free, no-obligation consultation.
Or fill out the contact form to get started.
David Simon | NMLS #1521694 | CA BRE #02040832
Secured Capital Funding | 17662 Irvine Blvd, Suite 6, Tustin, CA 92780 | NMLS #1649122 | CA BRE #01220151
Get In Touch
Call Or Email Today For Your Free Loan Consultation
Reach out today for a no-obligation consultation. David will walk you through your options and help you determine the best path forward.
David Simon
Sr. Loan Officer & Reverse Mortgage Specialist
NMLS #1521694 | CABRE #02040832
Cell
(818) 232-1171
[email protected]
Office
Secured Capital Funding
17662 Irvine Blvd. Suite 6
Tustin, CA 92780
NMLS #1649122 | CABRE #01220151
"The highest compliment you can pay me is a referral to your family and friends."