Home Purchase Loans
in Los Angeles

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Los Angeles is a spectacular place to call home. You’ll be in the heart of one of the most diverse and vibrant urban centers in the world, close to Hollywood, Disneyland, and the sparkling Pacific waves. As this is a competitive real estate market, it is extra important to take your time to choose the right kind of loan.

There is no single “best” loan for all customers—simply the best loan for your needs. I believe that every customer can be matched with that loan, and I have made it my work to do exactly that. As a mortgage broker partnering with a wide network of trusted lenders, I am able to connect you to a much broader range of lending products than you would find at a big bank.

Below, you can see what types of loans you can apply for.

Types of Los Angeles Home Purchase Loans

Conventional

If you need financing which falls under the cap established by Fannie Mae and Freddie Mac for conforming loans, you can apply for a conventional loan. Fixed and adjustable mortgage rates are offered.

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FHA

An FHA loan is insured by the Federal Housing Administration (FHA). This allows lenders to offer you a down payment as low as 3.5%, affordable mortgage rates, reduced closing costs, and additional benefits.

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VA

Available to veterans, active-duty service members, and eligible spouses, this loan carries zero down payment and no PMI requirement. Low interest rates and other excellent benefits make it an affordable choice now and in the future.

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USDA

A USDA rural housing loan backed by the US Department of Agriculture may allow you to move into a home with zero down payment in select areas.

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Jumbo

For customers in need of more financing than a conventional loan can provide, a jumbo loan is an option. Interest rates on jumbo loans can be in line with those for conforming mortgages.

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Hard Money

A hard money loan can help you move into a home in Los Angeles if your credit score doesn’t qualify you for a prime mortgage. Hard money loans are an ideal choice for short-term financing as well, even when credit qualification is not an obstacle.

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Fix and Flip

Fix and flip conveniently and affordably with the help of this specialized financing product.

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What Type of Home Purchase Loan Do You Need?

How do you know which type of home purchase loan is the right one for you? Here are some things to consider:

Your credit score, debt-to-income-ratio, annual income amount, employment status, and other financial details. These will influence what you qualify for.

The location where you are purchasing a home, the value of that home, and other details pertaining to it. These too will impact qualification for a loan.

The down payment amount you can afford, the loan term you are looking for, and other loan features which are important to you.

Why Work With Shannon Christenot on Your Home Purchase Loan?

I am a mortgage broker with more than 20 years of experience. Over the years I have worked on this industry, I have built a huge network of lenders. I can offer you aggressive rates and cost-saving programs you won’t find at the big banks.

I love LA, and I know the housing market inside and out. With that in-depth expertise, I’ll work with you to make sure you don’t miss a single opportunity.

The diversity of Los Angeles is a big deal to me. One of the most rewarding aspects of my job is being able to work with customers from every walk of life. Whether you are a traditional employee or you work for yourself, whether you are a first time homebuyer or you are shopping for your next home, I am a problem solver who can match you with the right mortgage.

I’m extremely personable—not your stuffy banker type. No, seriously! I love building relationships with my customers, and I strive to make the mortgage process as clear, simple and enjoyable as possible. I value getting to know you and helping you to achieve your dreams.

What Our Clients Say

Michael Flancer
Michael Flancer
22:47 22 Nov 21
I am an experienced real estate investor and have been investing for over 30 years. I have completed at least 20 original purchase / refinances in my real estate career. I have worked with many... different mortgage brokers over the years and I must say that Shannon is at the top. She has completed 3 refinances and 2 purchase loans for me this year.She is cool under fire and her processor, Josh is awesome. They make a great team. She can provide loan options which are very competitive and mostly lower than rates that banks offer.Before you move forward with a bank or another lender, reach out to Shannon. You will not regret it.read more
Matt Glenn
Matt Glenn
02:05 07 Nov 21
Shannon is, without a doubt, one of the main reasons that we have a home right now. Especially in Los Angeles, the process of buying was so full of stressful, fast-paced steps — compounded for us... because of our demanding work schedules. Shannon made the process feel so manageable. She took the time to help us understand each step and advise us on how best to proceed. She never shied away from giving us an honest, realistic assessment of each offer and of our overall financial situation. Her experience was clear the whole time we worked with her, and I cannot recommend her highly enough. Thank you Shannon!!read more
joshua freedman
joshua freedman
19:43 29 Oct 21
There is not enough that I we could say about Shannon and her team. While most lenders come from the "cold hard math" side of things, Shannon exudes a wealth of knowledge along with a personal and... invested approach to ensure that you feel comfortable and informed every step of the way. Buying and selling a home is clearly one of the most critical decisions as well as the most impactful stresses one could have on their life. We could not be more thrilled to have gone through this process with Shannon as we were put at ease in a time that volatility and competition have plagued the home buying experience. Anyone who is looking for someone with a deep understanding of the market and loan funding who also takes a personal and sincere approach to their work should not hesitate to work with and refer Shannon Christenot as their lender.read more
Anthony Ridino
Anthony Ridino
16:36 29 Oct 21
I’ve been referring clients to Shannon for over ten years and she always does an amazing job! This last transaction she handled for close friend of mine in Calabasas was the most impressive of all!... My clients needed to sell their existing home to qualify for their dream home. When there current home fell out of escrow, it was certain they were going to lose their dream home; this wasn’t an option to let my close friends down. So Shannon and I quickly started to brainstorm on all the possible options to try and make this happen. Within 24 hours we came up with some option and found a path forward. Definitely not easy, but a viable path to make it work. In addition, she somehow got this particularly hard deal to be fully approved and cleared to close two weeks early. In my 18 years of f selling real estate, I’ve never experienced a win this big so quickly, and for some of the most important people in my life. Thank you Shannon for always knocking it out of the park!read more
Raz Terovsepyan
Raz Terovsepyan
23:02 11 Sep 21
I met Shannon through my sister in law 7 years ago when I was in the process of buying a house. She went above and beyond to make sure the transaction went smoothly. I just refinanced my house for a... better rate and she delivered it as promised. All and all had a great experience and I’m looking forward to working with her again in the near future.read more
Thomas Cotton
Thomas Cotton
20:42 11 Sep 21
I have nothing but high praise for Shannon. My property was days from foreclosure when I first contacted her. I feel that it was only through her prompt attention, persistence, expertise, and... resourcefulness that she was able to arrange for a reverse mortgage in time to prevent foreclosure.I will always be grateful to Shannon for saving my home.read more
Kristina Robbins
Kristina Robbins
00:07 10 Sep 21
We’ve worked with Shannon and her team three times and all experiences were stellar. The first was buying our first home and she walked us through the process and explained everything along the way... to help us get quickly up to speed. The second time we were going for a refi in maybe the most turbulent mortgage market ever as COVID hit. She guided us through all the hurdles and worked double time to satisfy all the lenders new requests. We got a rate a full percent lower. The third time we did another refi at another .5% lower and again she got it done in record time. I can’t recommend this team highly enough.read more
Craig White
Craig White
19:59 04 Aug 21
I've worked with Shannon and her team for several years now and they are top notch!! Very professional, always one step ahead, responsive personable and trustworthy. We have had several difficult... deals and Shannon always keeps her cool and gets the job done. Highly recommend!read more
Carla Lowe
Carla Lowe
19:51 04 Aug 21
My experience with Shannon was off the charts! I represented the buyer in a transaction and Shannon was amazing! When we wrote the offer she promised 10 day(!) loan and appraisal contingencies, as... well as a 21 day escrow! This helped my client get their offer accepted! But even better: Shannon delivered! She always quickly replied to my emails, she answered her phone, and was ALWAYS professional and helpful! I also loved that the emails Shannon and her team sent to escrow were detailed and thorough! I have added Shannon to my short list of lenders that I refer to clients!read more
Susan von Seggern
Susan von Seggern
00:55 04 Aug 21
Shannon was instrumental in making sure we could put a quick close into our offer and that our loan did indeed close on time! We couldn't have done it without her!
Audrey Cosenza
Audrey Cosenza
16:43 02 Aug 21
Shannon at HomePro is a consumate professional. I have spent many years in commerical real estate but needed help for my home loan. Shannon's service was outstanding. I got the best rate and was... appreciative of her calm demeanor through the process. I highly recommend her and her services.read more
Mimi M
Mimi M
17:28 31 Jul 21
Shannon is amazing! Fast, responsive and always professional. We’ve completed three financings with her and all three were seamless and closed on time or faster than promised.Shannon was always... available and clearly communicated what we needed to provide at all times. Her team was organized and fast as well. Instructions to escrow were super detailed and precise. These days, your ability to close quickly can be the difference between having an accepted offer or not, making Shannon a truly valuable resource.read more
Benjamin Rice
Benjamin Rice
23:35 22 Jul 21
Shannon was a dream to work with and made everything so smooth and simple. Thanks so much! Highly recommended.
Rowaida Bourji
Rowaida Bourji
17:22 15 Jul 21
Working with Shannon has been a pleasure! She makes difficult and not so pleasant processes like home loans and refinancing easy and a breeze. Her knowledge and experience is admirable. One of the... best aspects about working with Shannon among everything else is how quick,responsive,and clear she is from start to finish!read more
Sherry Apodaca
Sherry Apodaca
15:41 13 Jul 21
Thank you Shannon and everyone on you team.Once again you have help me in everything I needed to refinance my house.You and your team are very good and professional.I would be glad to share your... company with anyone interested in buying or refinancing.Sherry Apodacaread more
Kelvin Vu
Kelvin Vu
18:08 18 May 21
Cannot recommend enough
Brandi Carter
Brandi Carter
22:33 14 May 21
If you are looking to secure a loan or refinance, this is your woman, the best in the business! Shannon got me a great rate on my first home loan, and most recently a great rate on my refinance.... Throughout the process, she was attentive and informative and readily available to answer any questions I had. As an added bonus, she has an amazing personality and is very friendly and personable. Can't say enough good things about Shannon and highly recommend!read more
Tammy K. Billings
Tammy K. Billings
22:31 14 May 21
Shannon is the consummate professional. Providing excellent guidance through a stressful process. Moving quickly with access to great resources on a moments notice. And somehow manages to do it all... with a smile and grace. I cannot recommend her highly enough... she coached me through waiting for just the right moment to get the best rate possible!!read more
Jonathan Sumilang
Jonathan Sumilang
17:07 13 May 21
Was referred to Shannon by my realtor and couldn't be happier. Shannon was responsive with my calls, text and detailed emails. Even though there was a minor bump on the road due to appraisal issue,... we navigated that with ease with her guidance. A very quick close... highly recommended.read more
Frank Diaz Jr.
Frank Diaz Jr.
15:44 13 May 21
First off, Shannon Christenot rocks!!! Shannon made the whole process of securing our loan, all the way through to the closing of Escrow effortless. I would absolutely recommend her to family and... friends!read more
Brandi Carter
Brandi Carter
01:54 13 May 21
If you are looking to secure a loan or to refinance, this is your woman, the best in the business! Shannon secured an excellent rate for me on my original loan, and most recently on a refinance.... Through the process, she was attentive to my needs and readily available to address any questions I had. As an added bonus, she has an amazing personality and will make the process seamless. Can't say enough good things about Shannon and highly recommend!read more
Debra Strong
Debra Strong
23:44 17 Mar 21
Excellent Work
Gia Battocchio
Gia Battocchio
04:20 04 Mar 21
My husband and I just purchased our first home last month! We were referred to Shannon by our close friend and I am so thankful she was our guide through this process. Shannon was positive and... personable from the moment we spoke. She alleviated our concerns over securing a loan by reassuring us EVERY step of the way that we were on track. She always responded promptly and kindly to my numerous calls and texts, and her confidence was the kind that only comes from someone with years of experience. But for those of you who aren't looking for hand-holding and just want to get the job done, Shannon works so QUICKLY! She and her team moved things forward in a streamlined manner and we were closing escrow in no time. This is EXTREMELY important in a city like Los Angeles where you have to move quickly on your dream home because there are always 20 other offers. I can't say enough good things about Shannon. You would be lucky to work with her!read more
Veronica Perez
Veronica Perez
20:24 19 Feb 21
Shannon and the whole team at HomePlus Mortgage are A+! Knowledgeable, responsive and trustworthy. Highly recommended!
Brendan Bolton - Klinger
Brendan Bolton - Klinger
22:13 05 Feb 21
Shannon is amazingly talented and is great to work with. She is super-fast and has always gotten us the best rates. Over the past 10+ years, Shannon has helped my family complete 5 major loans: 1... primary residence; 2 investment properties; 1 refinance; 1 cash-out refinance. If you are getting a loan in California, you cannot do better than Shannon. Get in touch with her and do your deal with the confidence of knowing things will go smoothly. Thank you, Shannon!!!read more
Joe Torreto
Joe Torreto
23:24 15 Jan 21
Shannon was amazing and her team! She continued to provide us an updates and truly understand the stressed that an owner goes through. She is a great asset to the team, and could not have done this... very stressful journey without her help. Thank you very much and another refi in 5 years, who knows. Great job, Shannon! Happy New Year to All!read more
Andrew Kline
Andrew Kline
18:06 13 Jan 21
Shannon is amazing! She is the go to lender on all of my transactions! Always on the ball and very responsive!
Norm Page
Norm Page
15:41 16 Dec 20
Shannon and team did a yeoman's job pulling my re-fi through in these challenging times. I had had another loan officer trying to work through the underwriters for months on end to little to no... avail. Then I engaged Shannon on a local reference, and she unlocked the key to the underwriters, whatever it was. My re-fi came through with a fantastic rate saving us a ton every month.read more
Roxann Smith
Roxann Smith
18:45 22 Oct 20
Shannon was a delight to work with. very professional and personable. she made the whole process as easy as could be. couldn't recommend her higher.
Kris Van Herle
Kris Van Herle
00:52 17 Oct 20
A big bank lender told us it would take 70-80 days to close our refi. Shannon got it done in just a few weeks and at a much better rate. Great service, great communication. Highly recommend!
Tania Van Herle
Tania Van Herle
19:19 16 Oct 20
Ernie Mundell
Ernie Mundell
00:02 22 Sep 20
So two guys own a duplex together in LA and wanted to re-fi in 2020, but then both of these Canadians fled up north to escape COVID and wildfires, that immediately made the process international and... MUCH more complex. Luckily though, Shannon's patience, upbeat outlook and ingenuity totally got us through it all. She's the best - highly recommended.read more
Dana Weinzettl
Dana Weinzettl
20:32 19 Aug 20
Shannon was so amazing the whole way through our loan process! She answered all of our questions and made everything so seamless and easy. Would recommend her to everyone!
Caroline Wong
Caroline Wong
17:04 22 Apr 20
Shannon was very prompt and responsive to all queries. The process went more smoothly than I ever could have imagined. Highly recommend Shannon for all your mortgage/re-financing needs.
Sarah Goldberger
Sarah Goldberger
19:36 21 Apr 20
I cannot recommend Shannon highly enough! As an independent contractor, I knew getting a mortgage would be a little difficult, and Shannon supported me and helped make it work every step of the way.... If I ever need brokerage services again, she'll be my first call!read more
Karl Larsen
Karl Larsen
23:55 13 Apr 20
Shannon Christenot is the most amazing lender we’ve ever had. As a matter of fact this is the second time we’ve used Shannon to do a mortgage with us. She held our hand every step of the way. She... made the whole process stress-free as well. And when we were coming down to the wire to finish our escrow within the 30 days she got us an extension Without even asking. Now we are locked into a very low rate. We’ve saved hundreds of dollars per month for the next 30 years. We cannot Thank Shannon enough. I would recommend Shanon to anyone thinking of buying a home or refinancing.read more
Tony Bilby
Tony Bilby
03:09 07 Mar 20
Shannon and her team were professional, competent, and swift when it came to the lending associated with my home purchase. We were able to get the loan approved and close on a house in less than 30... days. Record time!read more
Joshua Barton
Joshua Barton
16:05 23 Nov 19
I have had the pleasure of working with Shannon for 8 years - her knowledge of the mortgage process and attention to clients is unparalleled. The Los Angeles market can be tricky with high dollar... homes and unique income of the Entertainment Industry, but Shannon takes charge and leads everyone through to successful closings like clock work - cannot recommend her enough a true Rock Star in Mortgage world.read more
Lauren S
Lauren S
04:52 18 Oct 19
Working with Shannon was a real pleasure. She was always available and got back to me promptly with any necessary information. I was able to refinance my mortgage at a rate considerably lower than... another larger company quoted who I had started working with. I look forward to working with Shannon again and I highly recommend her to anyone looking for a competent and decent mortgage broker.read more
Alaine Smith
Alaine Smith
13:15 26 Sep 19
It was wonderful working with Shannon! She is attentive, thorough, and intelligent. It was easy to communicate with her because she took time to hear and understand my goals and always responded... quickly. I highly recommend her to anyone looking. The customer service she provides exceeds expectations by a long shot! Thank you, Shannon, for all your help!read more
Nasser Lavi
Nasser Lavi
21:55 20 Sep 19
one of the most ethical persons i have ever met
Julie Mckay
Julie Mckay
17:20 28 Aug 19
I just purchased my first home! Shannon and her team were truly a dream to work with. I was never left in the dark and she was always quick to respond with all of my questions. My experience... couldn't have been easier. I highly recommend Shannon and would use her again in a heartbeat! She is the BEST!read more
jojo quijada
jojo quijada
19:55 27 Aug 19
I've been in the real estate business for over 5 years now, and I always trust Shannon to work with my clients. She and Josh are an AMAZING TEAM! Buyers love to work with Shannon as she gets things... done asap and answer any and every question/concern. I couldn't recommend a better person for lending. Can't thank her enough!!read more
Rotimi Ayanbeku
Rotimi Ayanbeku
20:12 15 Aug 19
I always go back to Shannon because she is one of the best in the business! I've worked with Shannon over the years, however, she outdid herself in my last deal. She was so professional, caring... and effective that my clients were comparing everyone else in the deal to Shannon. More importantly, we were ready to fund in less than two weeks. Once again, Shannon affirmed my belief in her that she always rises to the occasion. Thank you for being the best!read more
Property Manager
Property Manager
00:29 24 Jul 19
Shannon IS THE BEST in the business hands down! From loan programs to customer service, her attention to detail, follow through & industry knowledge are impressive. I have never felt like I had... anyone work so hard for me. I will never use another lender again!read more
Kellie Ayon
Kellie Ayon
19:20 17 Jun 19
We worked with Shannon and her team recently and it was a wonderful experience! Shannon was clear and concise about the lending process. We felt confident purchasing our home because she made... herself available outside of normal work hours and answered any and every question. If you want a top notch professional helping you during your home purchase, Shannon’s team is a must. We are so grateful for her time, professionalism, and undivided attention!read more
Maureen Martin
Maureen Martin
17:43 14 Jun 19
Shannon just closed a SUPER hard deal for me when nobody else could! I too am in the lending industry however, the company that I work for didn't have the program or product that I needed to close... this loan. Knowing that Shannon does a lot of 'out of the box' financing, I decided to give her a shot. She not only got the loan approved and closed for me, but her service and attention to detail completely knocked it out of the park! Her 20 + years in the business SHOWS! I highly recommend Shannon to anyone looking for a reliable, knowledgeable, affordable lender to close their loan!read more
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Ready to Move Into Your Los Angeles Home?
Give Me a Call Today

If you can’t wait to make Los Angeles your home, I can’t wait to connect you with the most suitable home purchase loan. To get started with the application process, please call (818) 601-2231, and we will schedule a consultation.

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