🏦 Independent Mortgage Broker · Southern California
1
Your bank's option
100+
Lauren's lender network

Your bank has one narrow option.
I have 100+.

Whether you're buying, refinancing, or growing your investment portfolio — we shop the entire wholesale market so lenders compete for your loan, not the other way around.

Residential & Commercial
Purchase & Refinance
Same-Day Pre-Approval Reviews
NMLS #2163246
Loan Types

If there's a loan for it,
we can shop it.

From conventional purchases to complex investment structures — if a wholesale lender offers it, it's on the table for your deal.

🏠

Purchase Loans

Conventional, FHA, VA, jumbo — primary, second home, or investment property.

🔄

Rate & Term Refinance

Lower your rate, shorten your term, or both — with 100+ lenders in the mix.

💰

Cash-Out Refinance

Pull equity from your property to fund renovations, acquisitions, or debt payoff.

📊

DSCR / Investment

Qualify on the property's rental income, not your personal income or W2.

🏗️

Commercial Property

Purchase or refinance commercial real estate with business purpose financing.

📝

Self-Employed / 1099

Bank statement loans, P&L-only qualification, and alt-doc programs built for you.

📉

Low Credit / Non-QM

Credit scores as low as 500 may qualify. Non-QM and portfolio lenders work where traditional banks won't.

🔓

No Income / No Ratio

Asset depletion, no-doc, and no-ratio programs for borrowers who qualify on what they have — not what they earn.

Hard Money & Bridge

Short-term, asset-based financing for time-sensitive acquisitions, fix-and-flip, and unique properties.

Who We Empower

Two types of clients.
One goal: financing tailored to you.

Homeowners and investors have different needs — we serve both with the same wholesale market access, honest advice, and options most lenders won't even show you.

🏡

Homeowners

You're buying your home or looking to refinance — and you deserve more than the single rate your bank printed on a flyer. We put your loan in front of the whole market, including options banks won't offer.

  • First home purchases in Southern California
  • Refinancing to lower your rate or pull equity
  • Jumbo loans where bank rates fall short
  • Self-employed or 1099 income — no problem
  • Low credit scores? Non-QM programs start where banks stop
  • No-income-verification loans available for qualifying borrowers
  • Hard money options when speed or flexibility matters most
🏢

Investors

You're scaling a portfolio and need financing that moves as fast as your deals do. We work with landlords, flippers, and multi-unit buyers — residential and commercial — including deals that don't fit conventional boxes.

  • DSCR loans — qualify on the property, not your W2
  • Multi-unit residential (2–4 units and beyond)
  • Commercial property purchase & refinance
  • Cash-out refinance to fund your next acquisition
  • Low credit or recent credit events? Portfolio lenders can work with you
  • No income / no ratio loans for asset-rich borrowers
  • Hard money & bridge loans — close fast, refi later
Mortgage Calculator

Estimate your monthly payment.

Adjust the sliders below to get a quick estimate. Ready for real numbers? Lauren will run exact scenarios for your specific situation.

Home Price $600,000
Down Payment $120,000 (20%)
Loan Amount $480,000

Interest Rate 7.0%
Loan Term
Est. Monthly Payment
$3,891
Estimate only — actual terms vary
Principal & Interest$3,194
Property Tax (est. 1%/yr)$500
Homeowner's Insurance$180
PMI$0
⚠️ PMI included — down payment is under 20%. PMI typically drops once you reach 20% equity.
🏆 Get Pre-Approved

Estimates include principal & interest, property tax at 1% of home value, homeowner’s insurance at $180/mo (homes up to $1.5M), and PMI when applicable. This is not a commitment to lend.

Ready to Move Forward?

Stop taking the bank's first offer.
Start here instead.

Three paths in — pick whichever fits where you are right now. All of them lead to real answers, fast.

📅

Book a Free Call

Talk through your goals, ask every question you have, and get a straight answer on what's available for your situation. No pressure, no obligation — just clarity.

Schedule Now →
🔔

Join Rate Watch

I'll personally reach out when rates move in your favor. Enter your state and email — no spam, just a direct message from me when the timing is right.

No spam. A direct note from Lauren when rates move.
✓ You're on the list! I'll reach out personally when rates move in your favor.

Questions? Call or text Lauren directly: 949-433-0672 · LGustin@eMortgageCapital.com

The Real Difference

Your bank isn't negotiating for you.
I am.

A retail loan officer is paid to sell their employer's products. I'm an independent broker — which means my only job is to get you the best loan available in the wholesale market.

Going to your bank

One rate.
One product.
Take it or leave it.

  • One set of underwriting guidelines
  • Retail pricing (built-in markup)
  • No ability to shop or compare
  • Loan officer is incentivized to sell their bank's products, not yours
Working with Lauren

100+ lenders competing
for your loan.

  • Wholesale pricing — no retail markup
  • Best-fit lender for your specific file
  • Conventional, FHA, DSCR, jumbo, and alternative documentation programs
  • My only incentive is your best outcome
UWMPennymacAmeriHome Rocket ProPRMGCaliber PlazaFlagstar+ 90 more
Client Reviews

What clients say about Lauren.

Real reviews from Google Business Profile.

5.0
★★★★★
Loading reviews...
Loading reviews from Google…
See All Reviews on Google
Lauren Gustin
Lauren Gustin DRE Real Estate Salesperson License MLO Endorsement · NMLS #2163246
About Lauren

20+ years helping families and businesses reach their goals.

Lauren's career didn't start in mortgage — it started in HR and Operations, where she learned how to listen, how organizations work, and what people actually need when they're navigating something high-stakes. That foundation led her into finance and real estate, and eventually into mortgage lending, where all of it came together.

She came into this industry knowing what it's like to sit across the table from a lender and not fully understand what you're being offered — so she built her practice around transparency and access. No jargon, no handoffs, no pressure.

As an independent broker under eMortgage Capital, Lauren is not on anyone's payroll but yours. She answers her own phone, explains what she's doing and why, and stays with you from first call through closing.

Lauren is personally licensed in California, Arizona, Alabama, and Florida. Lauren and her team work with homeowners and investors across 46 states — residential purchases, refinances, DSCR loans, commercial property, and everything in between.

NMLS #2163246 CA DRE MLO Endorsement · AZ · AL · FL Team Licensed in 46 States eMortgage Capital 100+ Wholesale Lenders Equal Housing Lender