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

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
Kristina Robbins
Kristina Robbins
21:47 15 Apr 20
We’ve worked with Shannon and her team twice and both 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. I can’t recommend this team highly enough.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
Mike White
Mike White
02:15 27 Sep 19
As first time home buyers we had no idea what we were doing. We were pre-approved by a well known company but quickly discovered that we absolutely did not want to work with them for the actual mortgage. Shannon was recommended to us by a friend and I called on a Saturday morning. By Saturday evening we were well on our way to buying a house (we closed three days ago!). Shannon made navigating these foreign waters so easy, answering all of our newbie questions with patience and grace. Plus she got us a fantastic rate. We are so grateful for Shannon and can not recommend her enough. WE OWN A HOME!!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
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
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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.

Get Stated Today

Amid global concern about COVID-19, we will continue to be here for our customers.
 
As people and companies all across the country take additional preparations to protect against the Coronavirus (COVID-19), we acknowledge that your mortgage concerns will likely not be taking a break. At this time, we will remain open full-time and will continue to service our customers with the same fast response times you’ve come to expect from us.
 
Due to the increasing number of reported cases in the U.S., we are continuously monitoring the situation. We will also continue to actively assess the necessary actions we need to take in order to ensure the health and safety of our customers, employees, and their families. We hope that you will join us in taking some basic and important measures, such as frequent hand washing, to keep communal risk low.