Over 20 years navigating California's mortgage market. Purchase, refinance, and private capital solutions built around your actual situation, not a rate sheet.
From first-time buyers to complex investment structures, every file is handled with direct broker attention and deep market knowledge.
Pre-qualification to clear-to-close. Competitive rates across all major loan programs with access to 100+ investors.
Rate reduction, cash-out, or term adjustment. We analyze your full picture before recommending a refinance path.
When conventional financing won't move fast enough or won't qualify the deal, private money fills the gap with structure.
We review your income, credit, and goals to identify the right loan structure before you spend time on paperwork.
We compare programs across 100+ lenders and present the options that actually match your situation.
Documentation, appraisal, and underwriting are managed directly with consistent communication throughout.
Final conditions cleared, closing disclosure issued, and funds confirmed on schedule.
Troy Mire has operated as a licensed California Real Estate Broker and Mortgage Professional for over two decades. His background spans brokerage, direct lending, and private capital, which means he approaches every file as a deal, not just a transaction.
Based in Southern California, he works with buyers, homeowners, and investors across residential and investment properties, with a specific focus on complex situations that require more than a standard approval path.
Every loan program has a place. The goal is matching your file to the right one, not fitting your file into one program.
Fannie Mae and Freddie Mac backed loans for qualified borrowers. Best rates for strong credit profiles.
Government-backed with flexible qualification. Ideal for first-time buyers or those rebuilding credit.
Zero down for eligible veterans and active military. No PMI and competitive rates backed by the VA.
Above conforming loan limits. Portfolio product requiring strong reserves, income, and credit history.
Bank statement, asset depletion, DSCR, and foreign national programs for borrowers outside standard qualification.
Zero down for eligible rural and suburban properties. Income limits apply. Strong option in qualifying SoCal areas.
The real estate market is shifting. Interest rates remain unstable and underwriting overlays have tightened at major banks. Private capital is filling a growing structural gap for qualified borrowers who no longer fit standard boxes.
Demand is growing for smaller, more affordable homes across Southern California. This shift has meaningful implications for loan sizing, program selection, and what buyers can realistically compete for in today's market.
Owning a home is one of the largest financial positions most people carry. Understanding how lenders assess value versus how markets price it is critical before any refinance, sale, or equity-based decision.
Every situation is different. A short call is the fastest way to determine what program fits, what timeline is realistic, and what the actual costs will be.