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Let our Amazing Experts Help Find a Great Loan with a Low Rate Just for You!


No hidden fees.  No obligation.

No up-front costs.

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Specializing in VA Loans Since 2009

Prepare For Your Most Effortless Home Loan Experience Ever


Regardless if your needs include a purchase or refinance home loan, finding the best debt consolidation loan, or working through credit problems, needing cash for any reason rest assured this is our speciality.

Refinancing a Home Loan


Looking to refinance with the best rate and term with no gimmicks, salesman pitch, haggle or hassle, we have just the program for you.  Ask about our BEST RATE GUARANTEE* Need cash out of your property in a hurry but dont have much time!  We can have your loan funded in as little as 14 days in many cases!

Debt Consolidation Loans and Programs


Think you don't qualify?  Think again! Our programs our designed for borrowers with a wide range of credit situations including previous late payments, bankruptcies, even   income verification challenges .  If you believe a  debt consolidation loan will assist to reduce your bills contact us for a free consultation.

Turned Down By Another Lender?


Its never a fun thing to hear "no" but it happens to most of us at some point in our life.  Don't give up just yet, its very common for us to speak with a client who has been under served or overlooked and actually DOES QUALIFY.  Without giving away all our secrets we have a wider range of programs that are far more flexible when it comes to credit, income and employment.  Finally, we always offer you ALL your options you qualify for, its up to you to decide what loan makes sense, we will never over look an option.  Also we are able to get real time data on comps, pending sales, and up the minute information to understand your homes potential value unlocking just the exact opportunity you were looking for.

Your Credit Score Will NOT Be The Only Thing Considered, Ever!


Ladera Ranch Home Loans understands that life happens to everyone.  We look understand each client's unique circumstances and background.  We encourage any borrowers who have been turned down in the past because of their credit score to reconsider Ladera Ranch Home Loans regardless of what they were told. Our programs may not even require a credit score and in many cases we are able to assist you in improving your credit score to qualify for the exact loan you are looking for.  



We believe you will love the details of the offer we have put together. Contact us now to receive a written outline of our program details in just 5 minutes.     

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“LRHL” Veterans Loyalty Program 



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Calculate Your Payment


Today's Updated Rates

15-Year | Fixed-Rate 2.375% | 2.425%

20-Year | Fixed-Rate 2.475% | 2.525%

30-Year | Fixed-Rate 2.525% | 2.625%

We put everything right where you want it, one call away.

Ladera Ranch Home Loans Offers Unique 1 of A Kind Solutions to Simply Your Home Loan Process.

  • Too Busy to Talk?  Text your Loan Officer or Processor anytime!

  • In A Hurry To Close?  Ask about our 14 day closing Guarantee!

  • Monitor your FICO® score free. Need to repair or improve your credit score? We have solutions too!  

  • We Help Create Homeownership Regardless of Your Credit. Curious if you qualify? It's ok to look and know even if you are not ready.  Call now.



Refinancing can be a very is a simple process when you are working with an experienced company.  With over 20 years of experience in mortgage loans you can rely on Ladera Ranch Home Loans to be in your corner each step of the way.  From your application through closing we pride ourselves in a first class experience for each borrower.  We understand how the process may be confusing or seem like a daunting task for some, however we have made the refinancing process simple.  Ask about our 14 day closing Guarantee!



What type of loan option program are you interested in? 

Your loan shouldn't be one size fits all. It should be the one size that fits you.

Found the home of your dreams and having trouble qualifying or not sure you will? Curious about different types of home loans products? Not sure if you are ready to apply for a loan?  We get it, there is so much confusing information out there we wanted to have a straight forward approach to our service with no hype, gimmicks, haggle, hassles or salesman.  Whether you are looking to buy or refinance our expert staff members are excited to assist you achieve your dream.


Learn More About Purchasing a New Family Home


Learn More About Refinancing Your Home at a Lower Rate



Need Cash? Have a Family Emergency? Want to do Home Impovemnets?



Learn More About Federal

Home Loans



We help Veterans and Their 

Families Everyday



Learn More About No Income Verification Home Loans


Fill out the form below to get a head start! One of our experienced and knowledgeable loan experts will get back you right away.   


We'd love to hear from you, here at Ladera Ranch Home Loans

Keith S, Long Beach CA

Brooke is an amazing Loan Officer I would recommend.  I have had a challenge with my loan until I began working with Ladera Ranch Home Loans.  I was able to refinance into a lower rate AND get the cash I needed. 


What People Are Saying...

The Bradshaws, Orange CA

We got the run around from another lender that could not close after 3 months.  We were about to give up when we received a letter in the mail from Ladera Ranch Home Loans. Not only did Ladera Ranch Home Loans close my loan in 17 days but the rate was also LOWER than the previous lender I was speaking with.  My only regret was  I wish I had found them sooner!

Cameron N, Aliso Viejo

With a baby one the way we wanted a smooth transaction to make sure we could close on time.  The team at Ladera Ranch Home Loans and Jon Walker did an outstanding job communicating and delivering exactly what they promised. I wish more companies would operate like this one!


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