FACT: Banks are NOT the best mortgage lenders!

FHA Home Loans
FHA Home Loans require a minimum FICO of 550. Click For More Details!

VA Home Loans
Available: 100% financing for Veterans & Active Duty. Click For More Details!

Hard Money Loans
Need a Stated Income Loan? Or a private money loan? Click For More Details!

Construction Loans
Looking to build a home or renovate? Click For More Details!
So You Can Qualify Now...
  • Bankruptcy, Foreclosure, Short Sale - OK!
  • Low Credit Score - OK
  • Self-Employed - OK
  • Collections, Delinquencies - OK
  • Stated Income - OK
  • H1B Visa - OK!
  • Foreign National - OK!
  • Bank Turn-downs - OK!
  • Need to close quickly? - OK!
  • Creative Underwriting - OK!
Experience Our Simple Process
We know the process and we know what works - we minimize "time-wasted" for our clients and we get the job done! Quickly!

image-photographyWhether you are First-time home buyers or previous home-owners looking to own a home again or even if you are looking to refinance your current home mortgage, it is not easy!

Current rules and regulations have made the most able borrowers frustrated as often times the qualification guidelines (especially at the Banks) can often seem to be unreasonable!

Many clients have come to us because they have been turned down by their banks because their tax returns do not show "sufficient income" because they have too many write-offs! or because they had a detrimental event on their credit reports a few years ago when the economy tanked!

Often times, the bank representative have apologized for their "unfair" guidelines but their "hands are tied!"

It is a fact that because the Banks got their bail-out when the economy crashed they have to abide by stricter rules (this was part of their agreement for the bail-out!). So now, the Banks are not necessarily the best lenders out there! We have many times gotten better terms for our clients than those initially offered by their banks before they were denied!

We make it our goal to always get the best deal for all our clients!

The Mortgage Loans We Offer...
What Clients Say About Loan People USA
Here is a sample of our client testimonials...
stock-1Jennifer
San Jose, California


"I needed to refinance my current mortgage to a lower rate, but was getting the run around by the broker from my Bank! I came across the LPUSA site and decided to call them - the best call I have made!"
stock-2Nathan
Mission Viejo, California


"I am self-employed so my tax returns do not show a high taxable income because I write off expenses - my Bank took one look at the returns and turned me down - even though I have good balances in my bank accounts! Was referred to LPUSA by friends - they got me the financing I needed!"
stock-3Kathy
Los Angeles, California


"I am a single parent and a nurse. I was referred to LPUSA by another nurse I work with, I did not think I could qualify for a home loan, but LPUSA got me qualified and we moved into our home a month ago!"
stock-4Michelle
San Francisco, California


"I did not go to my bank - my girlfriend and her husband got financing through LPUSA and were very happy so I came to LPUSA first! I have good income and credit so I am sure my bank would have financed me, but I did not want to be a number so came here to work with real people!"
stock-5Daniel
San Diego, California


"I inherited some land and wanted to build a home on it. My wife and I applied for a construction loan with our bank but were turned down, found LPUSA by chance and they helped us obtain the financing we needed and also referred us toa great contractor - very heppy!"
We are licensed in California Only!

Call Us For Home Loan...

Call For Mortgage Rates

♦ Pre-Approval Letters

We can provide you with a pre-approval letter within an hour! A pre-approval letter shows realtors that you are a qualified client and will not waste their time! Pre-Approval Letters can also be beneficial as a negotiating tool with the seller, as it gives the Seller an indication that you are a eligible buyer.

♦ Mortgage Rates

Sign up to get our mortgage newsletter with updated information on mortgage rates and changes in qualification guidelines! Mortgage Rates and guidelines can change on a daily basis, so it is a good idea to keep track of changes if you are looking for a home or will be looking for one in the near future or if you want to refinance a current mortgage.

♦ Fast Closing Times

On average we can close FHA, VA, conventional and jumbo loans within 30 days, hard money loans within 10 days and construction loans within 30-45 days! We have worked with many realtors and know that during a housing transaction, time is of the essence! We will keep you updated of the status of your loan and will also liaise with your realtor (with your permission - of course!)

Get Qualified Now!

We provide home mortgage loans in the following counties...

  • Home Loans in Alameda County
  • Home Loans in Alpine County
  • Home Loans in Amador County
  • Home Loans in Butte County
  • Home Loans in Calaveras County
  • Home Loans in Colusa County
  • Home Loans in Contra Costa County
  • Home Loans in Del Norte County
  • Home Loans in El Dorado County
  • Home Loans in Fresno County
  • Home Loans in Glenn County
  • Home Loans in Humboldt County
  • Home Loans in Imperial County
  • Home Loans in Inyo County
  • Home Loans in Kern County
  • Home Loans in Kings County
  • Home Loans in Lake County
  • Home Loans in Lassen County
  • Home Loans in Los Angeles County
  • Home Loans in Madera County
  • Home Loans in Marin County
  • Home Loans in Mariposa County
  • Home Loans in Mendocino County
  • Home Loans in Merced County
  • Home Loans in Modoc County
  • Home Loans in Mono County
  • Home Loans in Monterey County
  • Home Loans in Napa County
  • Home Loans in Nevada County
  • Home Loans in Orange County
  • Home Loans in Placer County
  • Home Loans in Plumas County
  • Home Loans in Riverside County
  • Home Loans in Sacramento County
  • Home Loans in San Benito County
  • Home Loans in San Bernadino County
  • Home Loans in San Diego County
  • Home Loans in San Francisco County
  • Home Loans in San Joaquin County
  • Home Loans in San Luis Obispo County
  • Home Loans in San Mateo County
  • Home Loans in Santa Barbara County
  • Home Loans in Santa Clara County
  • Home Loans in Santa Cruz County
  • Home Loans in Shasta County
  • Home Loans in Sierra County
  • Home Loans in Siskiyou County
  • Home Loans in Solano County
  • Home Loans in Sonoma County
  • Home Loans in Stanislaus County
  • Home Loans in Sutter County
  • Home Loans in Tehama County
  • Home Loans in Trinity County
  • Home Loans in Tulare County
  • Home Loans in Tuolumne County
  • Home Loans in Ventura County
  • Home Loans in Yolo County
  • Home Loans in Yuba County