🏡 California Mortgage Broker

The Right Loan.
The Right Rate.
Every Time.

Wholesale mortgage broker with access to dozens of lenders. Whether you're buying your first home, refinancing, or investing — Zain finds the best fit for your scenario.

Get Pre-Qualified Today 💬 Ask Zain a Question
35+
Years Experience
50+
Wholesale Lenders
CA
Licensed Broker
$0
Pre-Approval Cost
Loan Programs

A Loan for Every Situation

As a wholesale broker, Zain has access to programs banks don't offer — meaning better rates and more options for you.

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FHA Loans
As low as 3.5% down with a 580+ credit score. Great for first-time buyers or those rebuilding credit.
3.5% Down
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Conventional
From 3% down with HomeReady/Home Possible. PMI removable at 20% equity. Best rates at 740+ credit.
From 3% Down
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VA Loans
Zero down and no PMI for eligible veterans, active duty service members, and surviving spouses.
0% Down
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Jumbo Loans
Loan amounts above conforming limits — up to $3M+. Ideal for California buyers in high-cost markets. As low as 10% down.
Above $1.15M
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Bank Statement Loans
Self-employed? Qualify using 12–24 months of bank statements. No W2 or tax returns required.
Self-Employed
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CalHFA / Dream For All
California's down payment assistance programs for first-time buyers, including the Dream For All shared appreciation loan.
Down Payment Help
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DSCR / Investment
Qualify on rental income, not personal income. No tax returns needed. Perfect for growing a real estate portfolio.
No Tax Returns
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Commercial Loans
Financing for office, retail, mixed-use, multi-family (5+ units), and business properties. Flexible terms for investors and owners.
5+ Unit & Business
Have a Question About Programs? Ask Zain →
About Zain

Your Broker.
Not Just a Lender.

Zain Elias is a California-licensed mortgage broker and real estate professional with over 35 years of business leadership experience. Zain works with wholesale lenders to find the right loan for each client — not just whatever one bank offers.

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NMLS #450401
Licensed Mortgage Loan Originator
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CA BRE #02103114
California Real Estate Broker License
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Service Area
Serving clients across California
Why Wholesale?
Access to 50+ wholesale lenders means more competitive rates than any single bank
Zain shops your scenario across lenders to find the best rate, terms, and program fit
Niche programs for self-employed, investors, foreign income, and first-time buyers
Personal service from start to close — direct access to Zain throughout the process
No pressure, no runaround — honest guidance to help you make the right decision
The Difference

Why Clients Choose Zain

01
Access to More Lenders
As a wholesale broker, Zain works with dozens of lenders — more options and better rates than going to a single bank.
02
Personalized Guidance
Every borrower is different. Zain takes time to understand your full picture before recommending a loan program.
03
Hard-to-Place Loans
Self-employed? Foreign income? Investment property? Zain specializes in scenarios traditional banks often turn away.
04
No Cost Pre-Approval
Know exactly where you stand before shopping. No credit pull required for an initial consultation.
05
Fast, Clear Communication
You'll always know where your loan stands — available by phone, email, and through an AI assistant anytime.
06
California Expert
Deep knowledge of California markets, CalHFA programs, high-cost county limits, and statewide lending regulations.

Have a Mortgage Question?

Try Zain's Virtual Mortgage Assistant — instant answers on loan programs, payment estimates, refinance savings, and more. Available 24/7.

Open Mortgage Assistant 📞 Call Zain Directly
Get in Touch

Ready to Get Started?

No obligation, no pressure. Let's find out what you qualify for and what your best options look like.

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✉️
📍
Service Area
California
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Hours
Mon–Fri 8AM–6PM · Sat 9AM–2PM
Send a Message

No credit pull required. No obligation.