How do I get pre-approved for a mortgage loan through LBC Mortgage?

A lot of our clients think that pre-approval starts with sending documents. It usually doesn’t. What it starts with is a simple talk where you tell us if you’re thinking abou buying, refinancing or just checking what’s possible. We will ask you a few easy questions in return like what kind of home you want, how you plan to use it and when you want to move. Nothing complicated but for us it will be just enough to understand your situation first. After that, we will look at your income, savings, credit – the basics. For some people it’s simple and for others it’s not. If you’re self-employed or your income comes in different ways, we will look at your bank statements instead of only tax papers. We also check if you have enough for down payment and closing costs to make sure everything makes sense together. Then we give you a pre-approval letter that will show you a rough price range. It doesn’t lock you into anything but helps you understand what you can afford and makes your offer look stronger.

Can I qualify for a mortgage if I’m self-employed?

Sure you can. A lot of our clients are self-employed and the only difference in the way you qualify is how your income looks on paper. With a regular job it’s simpler but with self-employment it’s not that complicated either. The only concern is that your income may look lower because of write-offs and that’s where it usually becomes harder with banks To avoid all that, we start by understanding how you actually earn money and how long you’ve been doing it. We also check how steady it is and what documents can show it best. Some people use tax returns while others use bank statements. And sometimes it’s both. If your tax returns show less income than you really make – bank statement loans can help because they look at deposits instead. In some cases, especially for rental properties, the income from the property can be used instead of your personal income. We also check your credit, savings and overall situation to see if the full picture make sense.

Can I get a mortgage without showing my taxes?

Sure, in some cases you can get a mortgage without showing your taxes. This comes up very often since not everyone’s taxes show what they really earn. Because of that, there are other ways to qualify. One option is a DSCR loan which is mostly used for rental properties. Instead of looking at your income, it looks at the property. If the rent can cover the monthly payment – that’s what matters. When that works, you usually don’t need to show tax returns or pay stubs. Another option is a bank statement loan. Lenders look at 12 to 24 months of deposits and use that to estimate your income. For many people, this feels more real than tax numbers. You still need to show savings, have decent credit and some reserves. The idea is simple – use what actually shows how you earn.

What should I do if my credit score isn’t perfect?

Credit doesn’t need to be perfect. Most people don’t have perfect credit anyway. There’s usually something like missed payments, higher balances or just not much history yet. First thing we do in such cases is look at what’s causing it. Sometimes it’s something small that can be fixed quickly and other times it takes longer. Also,what you have to know is not every loan needs perfect credit anyway. Some programs allow lower scores if other things are stronger, like more savings or a bigger down payment. For investors, sometimes it’s the property that matters more than the credit score. So instead of waiting for you to fix your credit – we look at what works now and help you get the loan you need.

How long does the mortgage process usually take?

As for timing, most loans take around 30 days once everything is ready. Sometimes faster and sometimes slower. It really depends on your situation. Delays usually don’t come from one big problem. It’s always small things like missing documents, waiting for appraisal – things like that. We try to keep things moving no matter what and keep you updated so you always know what’s going on and what comes next.

What is refinancing, and why should I consider refinancing through LBC Mortgage?

Refinancing just means replacing your current mortgage with a new one. It sounds like a big thing but in simple terms – you’re simply taking a new loan to pay off the old one, just with different terms. People usually do it when something in their situation has changed or when they want better conditions than they have now. A very common reason is also a lower interest rate. If rates dropped or your credit got better since you first got your loan, thanks to refinancing your new payment can be lower or you can pay less interest over time. That alone can make a big difference for some people. Another reason is taking cash out. If your home went up in value- you can always refinance and take part of that value as cash. People use that for repairs, paying off their debt, business needs or even buying another property. At LBC Mortgage we don’t treat refinancing like one simple answer, but look at your current loan, your goals, your situation and only then figure out if it actually makes sense for you.

When is the right time to refinance my mortgage?

There isn’t one perfect moment that works for everyone. It always depends on your situation. A lot of our clients think it’s only about interest rates but that’s just one part of it. Yes, if rates are lower than what you have now – it can be a good time to refinance. That can lower your monthly payment or reduce how much you pay over the life of the loan. But that alone doesn’t always mean you should refinance. Sometimes the reason is your credit. For example, if your score improved since you got your loan – you might qualify for better terms now which can open up options you didn’t have before. Equity also matters. If your home value went up or you paid down your loan, you might have more flexibility than you think. For example, you could remove mortgage insurance or take cash out if needed. Some people refinance just to change how their loan works because they want a stable fixed rate instead of something that can change. Or they want a lower monthly payment even if that means extending the loan. Other clients want to pay the loan off faster. Another thing people forget is how long they plan to keep the home. Refinancing has costs too and it needs to make sense over time, not just right away. At LBC Mortgage we will look at all of this together so the decision actually makes sense for you and not just looks good on paper.

Can I refinance my mortgage without any equity?

In some cases, sure, but it always depends on the type of loan you have and your situation. A lot of people think you need a lot of equity but that’s not always true. If you have an FHA loan – there’s something called a streamline refinance. This can let you refinance without a new appraisal so that the current value of your home isn’t the main focus. What matters more is that you’ve been making your payments on time and that the new loan gives you a real benefit. The same idea exists for VA loans. There’s a program that lets you refinance with less paperwork and often no appraisal. It’s meant to make the process easier for clients who already have that type of loan. Outside of these programs – most loans do need some equity. Lenders usually look at how much you owe compared to the home value. But even if your equity is limited, you might still be able to adjust your loan – like getting a better rate or changing the payment structure. The key here is to look at what you have now and what you’re trying to fix. Not every refinance is about pulling cash out, sometimes it’s just about making the loan work better.

What documents do I need to refinance my mortgage?

The documents can be different depending on your situation so there isn’t one list that fits everyone, even though it may feel that way at first. If you have a regular job – the list it’s usually simple. Pay stubs, W-2s and a check that you’re still employed. That’s the basic part. If you’re self-employed – it can look a bit different. Some people use tax returns while others use bank statements instead, especially if they’re using a program designed for that. It really depends on how your income comes in. For investors – it can be even simpler in some cases. If you’re an investor and your loan is based on the rental income of the property – your personal income might not even be the main focus. Aside from income, you will usually need bank statements to show savings, your current mortgage statement as well as insurance details and ID. Credit is checked automatically and sometimes there’s an appraisal, depending on the type of your loan. At LBC Mortgage we always try to match the documents to your situation instead of asking for everything upfront. That way the process doesn’t feel heavier than it needs to be.

How long does the refinancing process take?

Most refinances don’t take forever but they’re not instant either. In a lot of cases you’re looking at something around a month, give or take. Sometimes it closes faster and sometimes it drags a bit, depending on what’s inside the file. If your situation is simple – steady job, documents ready, nothing unusual – it can move even quicker. When things are a bit more layered, like self-employment or different income sources – it can take a little longer just because there’s more to look at. There are also some refinance options that move faster by default. FHA or VA programs, for example, don’t always need a new appraisal or a full income check so those can go through quicker. The same goes for rental property deals where the focus is more on the property than on your personal income. A lot of the timing isn’t just about the loan itself but things like appraisals, title work and waiting on paperwork – that’s where delays usually happen. It’s rarely one big issue but more like a few small things that slow it down. We keep an eye on all of it and keep you in the loop. Even if it’s not moving super fast – you’re not left guessing what’s going on or what step you’re in.

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Nurit, and the whole team at LBC Mortgage were a pleasure to work with from beginning to end. My buyers had a unique situation with their loan terms and Nurit and her team were able to get it closed with professionalism and on time. Nurit kept constant communication with me and all parties and was always available. I would definitely recommend Nurit and LBC mortgage to my clients in the future.

Сonsultant: Homepage

I've been working with LBC Mortgage for the past 8 years. Done many transactions with them, Anastasia been helping me with all my transactions. She is super professional and knowledgeable with all mortgage products and processes, would recommend LBC to anyone.

Сonsultant: Homepage

Thank you Alex and Vasily for closing deal for my client! Guys were super responsive and did everything on time! Amazing team work

Сonsultant: Homepage

I had a great experience with LBC Mortgage and working with Vasily Pshenichnyy. He has been very responsive to all my questions/concerns and demonstrates strong knowledge of the process. He also has been very helpful with navigating through challenging situations/conditions. Will definitely be working with them with future business.

Сonsultant: Homepage

I've closed over 4+ loans with LBC and will say they are the absolute best at overcoming challenges that most other mortgage brokers would give up on. Kevin has always been professional, knowledgeable, and helpful in getting my difficult investment property loans funded, even with non W2 income. Highly recommend them!

Сonsultant: Homepage

It was a pleasure working with Alex Shekhtman and his team on another loan. They made it easy and painless. Very professional and efficient. I would gladly do more business with then. Thank you for a great service!

Сonsultant: Homepage

LBC Team is now our Number One Team! Their service was impeccable! We really appreciated the detailed explanations and daily reminders throughout the whole process. Covid made a lot of things overwhelming and LBC team guides us through a process that eliminated a lot of stress and intimidation. The communication from the first call I placed to Alex, to the final loan doc signing was headache free. It was a pleasure to work with this team! They are extremely responsive and strive for the result, very professional and easy to work with! Our situation was not an easy one and with the energy and perseverance this team provided, we had received an excellent results with lightening speed! We really enjoyed working with them. Highly recommend LBC Mortgage team.

Сonsultant: Homepage

LBC Team went above and beyond to help us buy our new home! They were available for all of our questions, were prompt in their replies to us, and guided us through the entire process. I would highly recommend their services and have, to my friends and family. Thank you!

Сonsultant: Homepage

Alex and his team made us the best Christmas gift! We just moved in to our new townhouse and it's all thanks to LBC Mortgage. They were honest, fast and highly professional during the hole escrow process (even on weekends). This was our first deal and Alex has been so friendly and patient answering all our questions. Special thanks to Zara. She is the nicest and kindest person! Thanks LBC Mortgage, you made our dream come true!

Сonsultant: Homepage

I got my first house!! If you have a unique financial situation, they are the ones to call! I am self employed and run my own payroll, and because of that, all traditional loans would only count like half of my income. Shant at LBC (working closely with Kevin and Alex) was able to get access to a unique loan program that utilized all of my income - all of my hard work!! WE DID IT! I qualified for almost DOUBLE what 3 other loan officers told me. I didn't think it was possible, but LBC Mortgage found a way. Other than having access to over 80 lenders and unique programs, they definitely had what other companies lack - a drive and passion to solve the riddle. Communication was beyond my expectations, responding immediately all the time. Shant was happy to educate me on the process, answer any questions, and act as a borderline therapist when the sellers were being difficult. I'm now settling into a beautiful HOUSE (not a tiny condo). Also, he really pushed hard to find me ways to save money, find extra credits, and make this massive purchase feel completely within budget. Between his efforts and my realtor (who he was also in close communication with, taking the pressure off me), I had virtually no closing costs. I never thought I'd be raving about my mortgage broker, but I am!! It all started with a low pressure phone call, so I highly recommend just give em a call and see how you feel. They are awesome!

Сonsultant: Homepage

Excellent team of great professionals! Superb customer service! They have successfully handled our purchase and refinance in a very short period of time, found and locked the lowest possible rate! Highly recommended for any of your mortgage needs.

Сonsultant: Homepage

Ana is AMAZING, highly recommend her for her knowledge, quick responses and thorough answers. Alex and Jovig are also great, I've had the chance to work with all of them since we've used LBC for refinancing twice and a new home purchase. They are very professional and work to get you the best rate and make the loan process as smooth as possible.

Сonsultant: Homepage

I would like to express my gratitude to the LBC Mortage team and personally to Alexander Shekhtman. I turned to Alexander about buying a home: Alexander and his team supervised the whole process very professionally. Personally, in working with LBC Mortgage i liked the punctuality, delicacy and professionalism - any question, any incomprehensible place, was immediately explained and covered. I wish success and good luck to the Agency and its employees in their future work!

Сonsultant: Homepage

LBC was a pleasure to work with. Very knowledgeable staff. Everyone from the loan officers to the mortgage brokers to the fund managers, very helpful and super friendly! Thanks to LBC, we are living in our dream home. We really couldn't do it without them. They took care of everything and made our dreams a reality! HIGHLY recommend them for any real estate or loan needs.

Сonsultant: Homepage

It's been a treat working with such knowledgeable and caring staff. Always reachable getting back to you with answers you need quick to make these life changing decisions, will highly recommend to anyone looking for new mortgage or refinancing

Сonsultant: Homepage

Thank you Alex, totally recommended, high standards. Good job, value for price.

Сonsultant: Homepage

This is my 12th year in professional real estate as a broker, seven of which I've been working with Alex and his team ever since we met on a transaction in 2009. I must say that this office is one of the few businesses I can always count on, both professionally and personally. So when it comes to California real estate funding in general and residential in particular, I've been entrusting my dear clients ranging from locals to foreigners to these good folks that I trust with my own loans!

Сonsultant: Homepage

When we decided to buy our first home ,I had no idea what to do or how to do it. A good friend of mine recommend me Alex from LBC mortgage. Alex was very knowledgeable and friendly he asked me all the right questions and we were approved way faster than I ever thought possible. We are now happily settled in our new home and it's all due to the excellent work of Alex and his team.Team was fast , good to work with , loan was approved in three weeks. No complaints at all.

Сonsultant: Homepage

Alex Shekhtman serviced me for the 3RD time already! I did my initial mortgage, my refi and my investment property loan with him. He's a miracle worker, truly! If everyone tell you no, he'll find a way to the YES. Great service, easy communications, painless, quick and inexpensive. You get everything you expect and more, no hidden anything. I would give 6 stars if I could. Really!

Сonsultant: Homepage

Really wanted to remodel my kitchen, but I couldn't afford it myself because I had just used all my savings updating my bathroom that needed some serious help. I decided to look into a home equity loan, and LBC Mortgage got me exactly what I was looking for. Now my home is exactly like I wanted it to be, and I still ended up with positive equity when I was done. Thank you so much for the loan and the great rate.

Сonsultant: Homepage

We were referred to LBC Solutions through a friend of ours and I am glade we chose to go with them. Not only they put in the time to explain what needs to be done ASAP, they made sure that we were qualified with the program and the rate that we feel comfortable with. I worked with Ana and she was always available to answers any of our questions. Ana made sure we had all the paperwork that was need and that we were on track to close on a timely manner. Thank you to LBC Mortgage for making this a comfortable processes.

Сonsultant: Homepage

I have been working with Alex Shekhtman and his team for more than 10 years now and they are as good as it gets! Alex has so much experience in the business with Real Estate Loans. I can always trust when we have a deal together that it will go as smoothly as possible. His team is responsive and always on top of their files! I would HIGHLY recommend Alex Shekhtman and LBC Mortgage for any of your real estate mortgage needs. They will not only accommodate and help you, they will go above and beyond to make sure you come to them first the next time around. Pasha Rex, Broker at Pinnacle Estate Properties, Inc

Сonsultant: Homepage

We purchased our first house with LBC Mortgage and after 8 months were able to refinance the property. Easy paperwork processing, very responsive and reliable LBC Mortgage team made our experience pleasant and efficient. Highly recommended firm! Trustworthy people! We are so grateful to all and everyone: Alex, Eugenia, Anastasia, Ani and others!!!! Thank you so very much for making our dream true!

Сonsultant: Homepage

This year I had the opportunity to purchase my first home, I trusted LBC Mortgage to help me and guide me through the process and it's the best decision I ever made. Alex and his team always answered every question we had throughly and with a smile. They are very knowledge and professional, they work hard for you and close fast! I'm glad to have had the opportunity to work with them and achieve my dream of homeownership. It was a pleasure working with such a great team and I will definitely recommend them to anyone I know looking to buy a home. You were all all amazing. Thanks to you I am a homeowner.

Сonsultant: Homepage

I am a Alex client since 2006, and him and his team did a 3 mortgage transactions so far for me. I couldn't be any more happier, since these guys know banking and listen to each and everyones situation and make impossible - POSSIBLE! Their Strong Team work very close with each customer and they stand behind their customers, like in my case, all email questions or phone calls are answered right away with complete answers. Before starting process i was given with list of documents needed in order to get the purchase or refinance my current loan, so i don't get bugged from bank or the office that they need that paper or the other paper or if it was missing. No, they nailed it down so hard, that they know and have the idea of what could be the scenario and what could be needed for a bank, thats it, my job is done and REST EASY! In a super short period of time, the loan/funding process was complete, and, I'm, thrilled. I want to thank LBC Mortgage Solutions professional hard working team for their hard work, and was/am/will always refer my friends to them.

Сonsultant: Homepage

LBC Mortgage made the dream of owning my first home a reality! I found a short sale at a great price and entered into a contract with only 21 days to close. I figured it would be impossible to get conventional financing this quickly so I lined up a private loan as a back up plan. Iryna, my processor did an amazing job and got docs out in 14 days! I was able to close with a conventional loan at 3.99! and do it all within 21 days. The communication was great and if you are qualified, these guys will get the job done!

Сonsultant: Homepage

Great company and easy to deal with them. Very understandable and prompt. I was dealing with Alex and he helped closing loan on time. LBC mortgage kept their words and provided 5 star service. Thank youuuuuuuuu

Сonsultant: Homepage

As an first time buyer I was really happy I went with this company. With zero experience in buying property i was getting help from start to finish. Loan pre-approval was easy and fast. To close the deal was a headache. Bank gave me a hard time, but these guys pulled it through. They fought for me and we won. The bottom line is I'm really happy with these guys.

Сonsultant: Homepage

As a first time buyer, I truly have to say these people care and help so much. I had Marine as my processing agent and Kevin as my regular agent who helped me find and purchase my place. The customer service, rate to communication is just what i needed. Every single question foolish or not was answered in full detail. If you are looking for a new place as a first time buyer or a seasoned buyer. These are the people to go to. I highly recommend.

Сonsultant: Homepage

Great team! Getting a first house is not easy these days. These guys really fought for us to make sure it happened. Every escrow is different so no sense in getting into the details, but i will say that when it comes to doing whats best for their client this company is it.

Сonsultant: Homepage

I refinanced my home loan with LBC and couldn't ask for a faster and smoother processing. I was helped by Alex Shekhman and his assistants Marine and Ani. The staff at LBC was super friendly and helpful in any way or form. I got the rate that I wanted without paying anything out of pocket. They are are the best group of mortgage officers you will find in Southern California. Thanks again everyone!

Сonsultant: Homepage

I love this company because they put customers first. They have a specialized background, working knowledge, experience and ethics. I worked with Alex a few months ago when i needed to refinance my mortgage. Very flexible, available any time. I work full time so it is hard for me to be there 9-5 so he would always stay after hours to get paperwork from me. I have never had an easier transaction. The signing was done after 7 o clock at my house. I strongly recommend this company and Alex!

Сonsultant: Homepage

Before approaching LBC Mortgage , we tried several other mortgage brokers and direct lenders and quickly realized that LBC Mortgage was way better than any other brokers. They were prompt, professional, and always honest with us during the challenging escrow process. Alex and his staff were able to close the escrow on time with adequate costs. We never felt abandoned or simply alone during the escrow, we always knew that there is someone watching our back, double checking the numbers and various documents. Thanks for all your great work LBC !

Сonsultant: Homepage

I am getting into the business of investing in real estate , in this business you need to act fast , and you need to be able to get financing for the property super fast ( or pay cash ). Alex approved me for the loan fast , escrow was closed on the 27th day!!! And got me a rate almost a full precent lower than i was expecting. I will contacting Alex for sure for my next investment purchase.

Сonsultant: Homepage

I had an issue with obtaining a mortgage with a different company. When Alex told me he would be able to get financing for my house he delivered. Very professional and great communication throughout the entire process. Thanks

Сonsultant: Homepage

We initially came to Yelp to search for s broker and after going through the list and on other site we ended up going with Alex at LBC solution INC , and were glad that we did. Alex responded to all of my mortgage questions and took the time to make sure I understood each sort in the process my wife and I were undertaking in the purchase of a house . I intend to be back . And I'm happy I relied on these reviews to reach out to Alex . I would highly recommend the professional services provided by Alex at LBC solution, Inc.

Сonsultant: Homepage

Outstanding Experience with LBC Mortgage Company I had an excellent experience working with LBC Mortgage Company, and I can confidently say they always exceed my expectations. From start to finish, the team was professional, responsive, and extremely knowledgeable. They took the time to explain every step of the process clearly, answered all my questions with patience, and made what can be a stressful process feel smooth and well-organized. Their attention to detail, transparency, and genuine commitment to helping clients find the best possible solution truly sets them apart. I always felt supported and informed, and they consistently followed through on everything they promised. If you’re looking for a mortgage company you can trust, I highly recommend LBC Mortgage Company, and especially Mira Baiun, for her exceptional customer service and dedication. I would absolutely work with them again and confidently refer them to friends and family.

Сonsultant: Homepage

It was my first time going through a refinance, and I felt a bit uncertain at the start. I didn’t know anyone at the company and had no personal recommendations — I just found LBC Mortgage online, watched a few of their videos, and felt I could trust them. That trust turned out to be completely justified. I had a great experience refinancing with LBC Mortgage. I worked with Vladyslava Lisnykh and Kevin Tenin. I had a lot of questions, and they patiently explained everything in detail. All the terms we discussed were followed exactly. What really impressed me was that LBC fought for things in my favor that I didn’t even know to ask for. It gave me real peace of mind knowing they’re a reputable, well-established company with a strong presence on social media. Overall, I couldn’t have made a better choice — LBC truly exceeded my expectations.

Сonsultant: Homepage

A huge thank you to the LBC Mortgage team, represented by Vlada and Kevin, who helped us buy our "dream home." They helped us find a lender who provided a loan that was significantly larger than what we could have obtained through a bank. They were always in touch, quickly answered all our questions, and provided emotional support during difficult times. In the final days before closing, they worked until midnight to ensure we received approval from the bank with plenty of time to spare before the deadline. They are excellent professionals, and I highly recommend them.

Сonsultant: Homepage

I had THOUSANDS of questions on getting a mortgage loan and exploring my options and Vassiliy addressed everything up to the smallest detail. He really took his time with me to explain and help me understand the process as well as advised on my best options, which I truly appreciate. Great service!

Сonsultant: Homepage

I had an exceptional experience working with Andranik "Andy" Zubyan at LBC. From start to finish, Andy demonstrated outstanding professionalism, responsiveness, and care. He was incredibly quick to follow up at every step of the process and always made sure I had a clear understanding of my options. He communicated alternative solutions in a straightforward and transparent way, which made decision-making easy and stress-free. Most importantly, Andy was able to secure very competitive loan terms, which I greatly appreciated. His response time was excellent, and I always felt like I had his full attention. It’s rare to find someone so dedicated, communicative, and easy to work with — all in all, a fantastic experience. I wouldn’t hesitate to recommend Andy to anyone looking for financing support. Thank you again, Andy!

Сonsultant: Homepage

The LBC team performed excellently in developing competitive pricing and executing our refinancing loan. Shant was the consummate communicator and on top of every detail every step of the way, while Kevin executed the processing seamlessly. The settlement firm was very complementary of the LBC team. Way to go guys!

Сonsultant: Homepage

Amazing service! Truly. Im a first time buyer so I worked hard for this deal to happen and I was approved almost right away with their help. I understood the process and was fully confident in my decision. Thx, guys! Keep it up.

Сonsultant: Homepage

Alex is awesome to work with. Getting the loan was so easy with him. He answered every late night text n even explained why “low rates” sometimes cost more. Really saved our deal.

Сonsultant: Homepage

Fast closing, easy process, and the team is knowledgeable and responsive. I enjoyed being their client as it was my first time applying for a mortgage loan and they made it a fantastic experience for me. Thank you!

Сonsultant: Homepage

Paul Wallace helped me find answers to SB-9 mortgage financing that is very difficult to get. I am looking for mortgage financing on SB9 no-split lot once the construction is completed. Paul is very methodical and followed up with his sources and informed me regularly until he found a satisfactory answer.

Сonsultant: Homepage

Buying a second place felt like it would be complicated, especially with juggling my main mortgage but Alex kept everything moving, checked in often, and made sure I wasn’t stuck waiting on emails. Really appreciate how available he was through the whole thing and thanks for the funding he helped to approve

Сonsultant: Homepage

Getting a mortgage is a very stressful time, especially when you need a compromise. Olga provided exceptional service in answering all of our questions and making sure we felt comfortable with the decisions we made. She helped us in determining what we could afford and whether a fixed or variable rate was most suitable for us. She and all the team are actually extremely knowledgeable and professional and worked hard to get us into the home we really wanted. We couldn't be happier and would recommend these guys ANYONE looking to buy a home. Thanks again

Сonsultant: Homepage

Let me tell you, I was super nervous about getting a loan, especially making sure the payments would be manageable. But Alex was amazing from start to finish. He explained everything in a way that actually made sense. no confusing jargon. and made sure I felt comfortable with every step. He gave me different options and kept pushing until we got the best possible terms. Plus, he was always there when I had questions—never left me hanging. I can’t thank Alex enough for making this whole process so smooth. If you need someone who truly has your back, he’s your guy!

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Personalized Services for Homebuyers

Tailored Mortgage Solutions Across Ten States

LBC Mortgage works in more than just one place, so you’re not limited to a single state if you’re buying or refinancing. If you’re buying a home or thinking about refinancing – you can get help in California, Florida, Illinois, Colorado, Washington, Texas, North Carolina, South Carolina, Pennsylvania and Oregon. The process itself doesn’t really change that much from state to state but it can feel confusing when you’re looking at it alone. We guide you through each step in a clear way so you always understand what’s happening. If you’re buying an investment property, you’re not tied to one state either because we can still help you nationwide depending on the deal. Our goal here isn’t to overwhelm you with options but to make everything feel more simple, clear and easier to manage from the start so you can actually move forward without second guessing every step.

Why People Choose LBC Mortgage?

Most people don’t come in with a ‘perfect’ situation and that’s completely normal. Some are buying their first home and don’t really know what to expect yet. Others already own property or run a business or have income that doesn’t look standard on paper. So trying to fit everyone into one structure doesn’t really work. Instead of pushing one loan or following a strict checklist, we always look at your situation first and go from there. At LBC Mortgage we stay involved throughout the process, look at what you’re trying to do, what your numbers look like and what actually makes sense long term. Then we explain it in a way that feels clear, not technical so you’re not sitting there guessing what’s happening next.

Multilingual Expertise

We know that for a lot of people the mortgage process becomes more stressful simply because of language. Even when you understand English, it doesn’t always feel comfortable discussing something as important as a mortgage in it. That’s why our team works in multiple languages including English, Spanish, Ukrainian, Russian and Hebrew. You can speak in the language that feels natural to you without feeling unsure about what’s being said. This makes a real difference because you’re not guessing or trying to interpret things on your own. At LBC Mortgage we take time to explain each step clearly, answer questions without rushing and make sure you feel confident about what you’re doing instead of just going through the motions.

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No Administrative Fees
Access to 100+ lenders
In-house underwriting
A one-stop solution
Personalized approach
Minimum paperwork
Underwritten Pre-appovals
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Mortgage Broker VS. Traditional Banks

Working with a bank often means you’re limited to what that one institution offers, even if it’s not the best fit for your situation. That’s where things can start to feel restrictive. As a mortgage broker, LBC Mortgage works with a wide network of lenders which means you’re not tied to one set of options. This gives you more flexibility and a better chance of finding something that actually works for you. The process is also more direct and usually involves less unnecessary paperwork. Instead of feeling like just another application in a system – you’re working with someone who is looking at your situation and helping you figure it out. It’s a more personal approach and for most people, it makes the whole experience feel easier to manage from beginning to end.

Our Services Include

Customized Loan Options
Whether you’re looking for FHA, Сonventional, NON-QM, Portfolio, Hard Money Loan, we tailor solutions to meet your needs.
Credit Score Improvement Guidance
We help you boost your credit profile to secure better rates.
Real Estate Market Insights
Stay informed with updates on housing trends and opportunities.
Minimal Paperwork
We handle the documentation so you can focus on what matters most.

Get Started Today

Your journey to homeownership starts here. With our expertise and commitment to customer service, we make the process straightforward and stress-free. Take the first step by entering your email to schedule a free consultation.

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Why Clients Love LBC Mortgage

Personalized Attention
From start to finish, a dedicated manager will guide you, ensuring your questions are answered promptly.
Exceptional Support
We simplify complex processes and ensure you have a hassle-free experience.
Multilingual Team
We speak different languages to ensure you feel understood and valued.

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All You Need to Know About Mortgages

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Frequently Asked Questions

General Questions

1. How do I get pre-approved for a mortgage loan through LBC Mortgage?

A lot of our clients think that pre-approval starts with sending documents. It usually doesn’t. What it starts with is a simple talk where you tell us if you’re thinking abou buying, refinancing or just checking what’s possible. We will ask you a few easy questions in return like what kind of home you want, how you plan to use it and when you want to move. Nothing complicated but for us it will be just enough to understand your situation first.
After that, we will look at your income, savings, credit – the basics. For some people it’s simple and for others it’s not. If you’re self-employed or your income comes in different ways, we will look at your bank statements instead of only tax papers. We also check if you have enough for down payment and closing costs to make sure everything makes sense together.
Then we give you a pre-approval letter that will show you a rough price range. It doesn’t lock you into anything but helps you understand what you can afford and makes your offer look stronger.
2. Can I qualify for a mortgage if I’m self-employed?

Sure you can. A lot of our clients are self-employed and the only difference in the way you qualify is how your income looks on paper. With a regular job it’s simpler but with self-employment it’s not that complicated either. The only concern is that your income may look lower because of write-offs and that’s where it usually becomes harder with banks
To avoid all that, we start by understanding how you actually earn money and how long you’ve been doing it. We also check how steady it is and what documents can show it best. Some people use tax returns while others use bank statements. And sometimes it’s both.
If your tax returns show less income than you really make – bank statement loans can help because they look at deposits instead. In some cases, especially for rental properties, the income from the property can be used instead of your personal income.
We also check your credit, savings and overall situation to see if the full picture make sense.
3. Can I get a mortgage without showing my taxes?

Sure, in some cases you can get a mortgage without showing your taxes. This comes up very often since not everyone’s taxes show what they really earn. Because of that, there are other ways to qualify.
One option is a DSCR loan which is mostly used for rental properties. Instead of looking at your income, it looks at the property. If the rent can cover the monthly payment – that’s what matters. When that works, you usually don’t need to show tax returns or pay stubs.
Another option is a bank statement loan. Lenders look at 12 to 24 months of deposits and use that to estimate your income. For many people, this feels more real than tax numbers.
You still need to show savings, have decent credit and some reserves. The idea is simple – use what actually shows how you earn.
4. What should I do if my credit score isn’t perfect?

Credit doesn’t need to be perfect. Most people don’t have perfect credit anyway. There’s usually something like missed payments, higher balances or just not much history yet.
First thing we do in such cases is look at what’s causing it. Sometimes it’s something small that can be fixed quickly and other times it takes longer.
Also,what you have to know is not every loan needs perfect credit anyway. Some programs allow lower scores if other things are stronger, like more savings or a bigger down payment. For investors, sometimes it’s the property that matters more than the credit score.
So instead of waiting for you to fix your credit – we look at what works now and help you get the loan you need.
5. How long does the mortgage process usually take?

As for timing, most loans take around 30 days once everything is ready. Sometimes faster and sometimes slower. It really depends on your situation.
Delays usually don’t come from one big problem. It’s always small things like missing documents, waiting for appraisal – things like that.
We try to keep things moving no matter what and keep you updated so you always know what’s going on and what comes next.

Refinancing

1. What is refinancing, and why should I consider refinancing through LBC Mortgage?

Refinancing just means replacing your current mortgage with a new one. It sounds like a big thing but in simple terms – you’re simply taking a new loan to pay off the old one, just with different terms. People usually do it when something in their situation has changed or when they want better conditions than they have now.
A very common reason is also a lower interest rate. If rates dropped or your credit got better since you first got your loan, thanks to refinancing your new payment can be lower or you can pay less interest over time. That alone can make a big difference for some people.
Another reason is taking cash out. If your home went up in value- you can always refinance and take part of that value as cash. People use that for repairs, paying off their debt, business needs or even buying another property.
At LBC Mortgage we don’t treat refinancing like one simple answer, but look at your current loan, your goals, your situation and only then figure out if it actually makes sense for you.
2. When is the right time to refinance my mortgage?

There isn’t one perfect moment that works for everyone. It always depends on your situation. A lot of our clients think it’s only about interest rates but that’s just one part of it.
Yes, if rates are lower than what you have now – it can be a good time to refinance. That can lower your monthly payment or reduce how much you pay over the life of the loan. But that alone doesn’t always mean you should refinance.
Sometimes the reason is your credit. For example, if your score improved since you got your loan – you might qualify for better terms now which can open up options you didn’t have before.
Equity also matters. If your home value went up or you paid down your loan, you might have more flexibility than you think. For example, you could remove mortgage insurance or take cash out if needed.
Some people refinance just to change how their loan works because they want a stable fixed rate instead of something that can change. Or they want a lower monthly payment even if that means extending the loan. Other clients want to pay the loan off faster.
Another thing people forget is how long they plan to keep the home. Refinancing has costs too and it needs to make sense over time, not just right away.
At LBC Mortgage we will look at all of this together so the decision actually makes sense for you and not just looks good on paper.
3. Can I refinance my mortgage without any equity?

In some cases, sure, but it always depends on the type of loan you have and your situation. A lot of people think you need a lot of equity but that’s not always true.
If you have an FHA loan – there’s something called a streamline refinance. This can let you refinance without a new appraisal so that the current value of your home isn’t the main focus. What matters more is that you’ve been making your payments on time and that the new loan gives you a real benefit.
The same idea exists for VA loans. There’s a program that lets you refinance with less paperwork and often no appraisal. It’s meant to make the process easier for clients who already have that type of loan.
Outside of these programs – most loans do need some equity. Lenders usually look at how much you owe compared to the home value. But even if your equity is limited, you might still be able to adjust your loan – like getting a better rate or changing the payment structure.
The key here is to look at what you have now and what you’re trying to fix. Not every refinance is about pulling cash out, sometimes it’s just about making the loan work better.
4. What documents do I need to refinance my mortgage?

The documents can be different depending on your situation so there isn’t one list that fits everyone, even though it may feel that way at first.
If you have a regular job – the list it’s usually simple. Pay stubs, W-2s and a check that you’re still employed. That’s the basic part.
If you’re self-employed – it can look a bit different. Some people use tax returns while others use bank statements instead, especially if they’re using a program designed for that. It really depends on how your income comes in.
For investors – it can be even simpler in some cases. If you’re an investor and your loan is based on the rental income of the property – your personal income might not even be the main focus.
Aside from income, you will usually need bank statements to show savings, your current mortgage statement as well as insurance details and ID. Credit is checked automatically and sometimes there’s an appraisal, depending on the type of your loan.
At LBC Mortgage we always try to match the documents to your situation instead of asking for everything upfront. That way the process doesn’t feel heavier than it needs to be.
5. How long does the refinancing process take?

Most refinances don’t take forever but they’re not instant either. In a lot of cases you’re looking at something around a month, give or take. Sometimes it closes faster and sometimes it drags a bit, depending on what’s inside the file.
If your situation is simple – steady job, documents ready, nothing unusual – it can move even quicker. When things are a bit more layered, like self-employment or different income sources – it can take a little longer just because there’s more to look at.
There are also some refinance options that move faster by default. FHA or VA programs, for example, don’t always need a new appraisal or a full income check so those can go through quicker. The same goes for rental property deals where the focus is more on the property than on your personal income.
A lot of the timing isn’t just about the loan itself but things like appraisals, title work and waiting on paperwork – that’s where delays usually happen. It’s rarely one big issue but more like a few small things that slow it down.
We keep an eye on all of it and keep you in the loop. Even if it’s not moving super fast – you’re not left guessing what’s going on or what step you’re in.

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