California Mortgage Broker & Real Estate Agency
We do not sell loans. We solve them. Solve Lending & Realty is a veteran-owned, family-run California mortgage broker and real estate agency coordinating home loans, refinance strategy, equity solutions, investor financing, reverse mortgages, and complex property decisions under one roof.
What is Solve Lending & Realty? Solve Lending & Realty is a veteran-owned, family-run mortgage broker and real estate agency in Southern California. Founded by Kiyoshi Inui and Kenji Inui, the company provides residential real estate loans, private real estate loans, refinance strategy, equity solutions, investor financing, reverse mortgages, real estate consulting, and property sales guidance across California, with local focus in Los Angeles, San Diego, Orange, Riverside, Ventura, and San Bernardino counties.
Full-service mortgage and real estate guidance for California decisions that need more than a quick answer.
Solve Lending & Realty is a full-service mortgage and real estate brokerage serving Southern California and lending throughout California. We help clients buy, sell, and refinance, access equity, and compare the financial and real estate options in front of them.
Full-service mortgage and real estate brokerage
One coordinated, family-run team for home purchase loans, mortgage refinancing, second mortgage options, HELOCs, Home Equity Investment, reverse mortgages, bridge loans, investor financing, buyer representation, seller strategy, and complex property decisions.
Southern California, lending throughout California
We serve Los Angeles, San Diego, Orange, Riverside, Ventura, and San Bernardino counties with personalized guidance and local market knowledge, with statewide lending guidance available throughout California.
NMLS 2013271 · DRE 02123993 · CFL 60DBO-153595
Solve Lending & Realty is licensed in California under NMLS 2013271, DRE 02123993, and CFL 60DBO-153595.
Compare the decision before choosing the product
Start with the decision in front of you, then move into the lending, real estate, county, or strategy path that fits your situation.
The right next step depends on what you are trying to solve.
A purchase loan, refinance, HELOC, reverse mortgage, bridge loan, or home sale may all sound like separate decisions. In real life, they are often connected. Start with what you are trying to solve, then compare the options that fit.
I need lending options.
Explore purchase loans, refinance options, cash-out strategy, FHA, VA, conventional, jumbo, non-QM, and alternative documentation programs.
View statewide lending pathsI have a property situation.
Divorce, inheritance, relocation, financial pressure, tenant complexity, timing concerns, or a sale that needs more strategy than a standard listing.
Choose your county pathI am not sure what to do.
Compare sell versus refinance, keep versus rent, HELOC versus cash-out, traditional sale versus off-market, and other decision points.
Compare decision pathsFamily-run guidance for complex California decisions.
“We are not Wall Street. We are your street — just folks like you.”
Solve Lending & Realty was built for people who want clarity before they commit. When you call, you are not routed through a call center or a scripted handoff. You talk to the people responsible for the strategy.
Our team coordinates real estate financing and property strategy together because the best answer is rarely found by looking at only one side of the transaction.
Mortgage broker and real estate agency under one roof.
Most companies handle either the loan or the property. Solve coordinates both. That matters when financing, pricing, timing, title issues, equity access, and family decisions all need to line up cleanly.
Mortgage & Lending Services
- Purchase Home Loans — California FHA, VA, conventional, jumbo, and alternative documentation pathways routed by county when local context matters
- Refinance & Cash-Out — statewide refinance and cash-out strategy compared against HELOCs, second mortgages, HEI, sale options, and long-term property goals
- HELOCs & Second Mortgages — home equity lines and fixed-rate second mortgage options for California homeowners
- Reverse Mortgages — statewide HECM and proprietary reverse mortgage guidance
- Non-QM & Alternative Lending — bank statement, asset-based, and non-traditional documentation programs across California
- Investor Financing — DSCR, bridge loans, hard money, and portfolio strategy for California real estate investors
- Home Equity Investment — equity access strategy reviewed against your property, county, and long-term plan
- Medical Professional Loans — physician, dentist, veterinarian, and qualifying medical professional scenarios
Real Estate Services
- Seller Strategy & Situations — California homeowners facing divorce, inheritance, relocation, distress, and timing-sensitive decisions
- Ways to Sell Your Home — traditional listing, off-market sale, investor sale, and other sale paths routed by county
- Home Evaluation & Pricing — property value analysis before you make a major decision in your local market
- Real Estate Decisions — sell versus rent, sell versus refinance, timing, and equity trade-offs
- Property Listing & Marketing — strategic pricing, buyer targeting, and negotiation planning
- Buyer Representation — purchase strategy, offer structure, and financing coordination
- Real Estate Consulting — complex property situations that require sequencing and professional judgment
- Investment Property Strategy — acquisition, disposition, financing, and timing coordination
- Find Your New Home — search active homes through the Solve Realty IDX experience
Accessing equity should start with the decision, not the loan product.
A California cash-out refinance can be useful when the new first mortgage supports a larger plan, but it is not automatically the right answer.
California Cash-Out Refinance Hub
Start here if you want the statewide guide to cash-out refinance strategy, use cases, risks, alternatives, and next-step planning.
Compare Second Mortgage Options
Review HELOCs, fixed-rate second mortgages, and second-lien options when preserving the current first mortgage may matter.
Consider Home Equity Investment
Evaluate an HEI against refinance, HELOC, second mortgage, sale, and long-term ownership goals before choosing a structure.
| Equity goal | Compare first | Why it matters |
|---|---|---|
| Debt consolidation | Cash-out refinance, HELOC or fixed second mortgage, HEI, or a payoff plan | Consolidating debt into a mortgage changes the risk profile because the debt becomes tied to the home. |
| Home improvements or repairs | Project budget, timeline, property value goal, and whether a full refinance is necessary | The financing structure should match the scope of work and avoid replacing a first mortgage without a clear reason. |
| Investment or property transition | Cash-out refinance, bridge loan, DSCR financing, sale timing, or keeping the property | The best structure depends on the exit plan, documentation, ownership goals, and how long the capital is needed. |
How Solve reviews cash-out questions: we compare the current mortgage, equity position, income documentation, property plans, and the reason for accessing cash before recommending whether a refinance, second mortgage, HELOC, HEI, reverse mortgage, sale, or no-change strategy deserves the next look.
Core California lending and property terms, explained without the sales pitch.
These short explanations are here to make the main options easier to understand before you decide whether to compare programs, review a property situation, or schedule a deeper conversation.
Mortgage broker
A mortgage broker helps compare lending options across available investor and wholesale channels, while a retail bank is usually limited to its own product menu. See how a mortgage broker compares with a bank in California.
Second mortgage or HELOC
A second mortgage or HELOC may let a homeowner access equity while keeping the existing first mortgage in place. Start with California second mortgage options when the goal is equity access rather than a full refinance.
Non-QM loan
A non-QM loan is a mortgage path for scenarios that do not fit standard qualified mortgage documentation. Review the California non-QM loan hub for statewide context.
Reverse mortgage
A reverse mortgage is a home-equity strategy for eligible homeowners who want to evaluate HECM or proprietary options. Learn more through the California reverse mortgage hub.
Cash-out refinance
A cash-out refinance replaces the current first mortgage with a new first mortgage that may provide cash back at closing. It should be compared against second mortgages, HELOCs, HEI, reverse mortgage options, and sale decisions before the existing loan is replaced.
Home Equity Investment
A Home Equity Investment is an equity-access option that is not the same as a traditional mortgage. It should be compared against HELOC, second mortgage, refinance, sale, and long-term ownership goals.
Guidance for the decisions Californians actually face.
People usually do not start with a product name. They start with a situation: a move, a property, a family transition, a documentation challenge, an investment plan, or a need to access equity without creating avoidable risk.
Buying a Home in California
Purchase home loans including FHA, VA, conventional, jumbo, and alternative documentation options.
Selling in a Complex Situation
Divorce, inheritance, relocation, financial distress, tenant issues, or timing pressure before listing.
Self-Employed or Non-Traditional Income
Bank statement, asset-based, and non-QM options for borrowers outside the standard documentation box.
Real Estate Investor Financing
DSCR, bridge loans, hard money, and portfolio strategies for California real estate investors.
Reverse Mortgage or Retirement Equity
HECM, proprietary reverse mortgages, and home equity strategy for eligible California homeowners.
Not Sure Whether to Sell or Refinance
Decision frameworks for sell versus keep, refinance versus HELOC, and list versus off-market.
Match the situation to the right conversation before choosing a product.
This matrix is not an approval or eligibility guide. It is a practical routing tool for homeowners, buyers, sellers, and investors.
| Situation | Start here | Compare against | Why it matters |
|---|---|---|---|
| Buying a home | Purchase loan strategy | FHA, VA, conventional, jumbo, medical professional, and alternative documentation paths | The correct structure depends on income, assets, property type, occupancy, and county-level context. |
| Need cash or payment flexibility | Cash-out refinance review | Second mortgage or HELOC, fixed second, Home Equity Investment, reverse mortgage, or sale | Equity access should be compared against the existing first mortgage and long-term property plan before changing the loan structure. |
| Self-employed or non-traditional income | Non-QM loan review | Bank statement, asset qualifier, DSCR, profit-and-loss, or traditional documentation | The documentation strategy can matter as much as the rate or loan type. |
| Retirement equity question | Reverse mortgage education | HECM, proprietary reverse, second mortgage, HELOC, sale, or downsizing | The right path depends on ownership goals, household needs, property plans, and family context. |
| Complex sale or property issue | County property strategy | Traditional listing, off-market path, refinance, investor sale, or keep-and-rent analysis | Local conditions, title, property condition, timing, and ownership structure may change the best sequence. |
A calmer process for overwhelming decisions.
The goal is not to pressure you into a loan, listing, or appointment. The goal is to reduce confusion, explain real options, and help you choose the next step with confidence.
- 1We identify the real decision.
Sometimes the question is not “Can I get approved?” It may be “Should I buy now, refinance first, sell later, keep the property, or restructure debt?”
- 2We compare realistic paths.
We look at documentation, property condition, equity, timing, loan type, sale strategy, and the trade-offs between keeping flexibility and moving quickly.
- 3We coordinate the execution.
If the right path involves lending, real estate, or both, we keep the strategy aligned so financing and property decisions do not work against each other.
California guidance with local support where your property is located.
Solve Lending & Realty serves clients across California, with dedicated county guides for Los Angeles County, Orange County, San Diego County, and Riverside County.
San Diego County
Start here for local lending, seller strategy, home evaluation, reverse mortgage, equity, and property decision support tied to San Diego County.
Open San Diego County Hub Explore San Diego County guidesLos Angeles County
Start here for county-specific mortgage broker, refinance, equity, reverse mortgage, investor, seller, and property strategy guidance.
Open Los Angeles County Hub Explore Los Angeles County guidesOrange County
Start here for county-specific lending, equity, reverse mortgage, seller, home evaluation, and decision support for Orange County homeowners and buyers.
Open Orange County Hub Explore Orange County guidesRiverside County
Start here for county-specific lending, equity, reverse mortgage, seller, home evaluation, and decision support for Riverside County homeowners.
Open Riverside County Hub Explore Riverside County guidesNeed help in Ventura County or San Bernardino County? Solve Lending & Realty can still talk through your lending or real estate strategy.
Built by brothers who put people before profits.
Solve is a family business founded by Kiyoshi Inui and Kenji Inui. The company was designed around a simple belief: people make better financial decisions when they feel informed, understood, and protected from avoidable confusion.
Kiyoshi structures mortgage and equity strategy by evaluating documentation, program fit, property goals, and financial positioning before recommending a path.
Kenji provides brokerage oversight and leadership across California, bringing disciplined guidance to real estate, lending, and combined strategy decisions.
Hablamos Español. ¿Necesita ayuda con una hipoteca inversa, préstamo hipotecario, refinanciamiento, o servicios de bienes raíces en California? Nuestro equipo habla español y está listo para ayudarle.
Juan Castaneda — Oficial de Préstamos Hipotecarios, NMLS 1163679. Llámelo directamente al (619) 327-9800 o escríbale a juan@solvelr.com para hablar en español.
Programe una consultaAnswers before you call.
These short answers explain what Solve does, who we help, and how our coordinated lending-and-realty approach differs from working with a bank or online lender.
Ready to talk through the cleanest path?
Whether you need a mortgage broker, reverse mortgage guide, equity strategy, seller consultant, or real estate advisor, the first step is a clear conversation about your situation, your timing, and the options that actually make sense.
What does Solve Lending & Realty do?
Solve Lending & Realty is a family-run, full-service mortgage and real estate brokerage serving Southern California and lending throughout California. We help clients buy, sell, and refinance, access equity, and compare second mortgage, HELOC, Home Equity Investment, reverse mortgage, bridge loan, investor financing, DSCR, bank statement, asset-based, non-QM, hard money, and medical professional loan options. On the real estate side, we provide seller strategy, home evaluation, buyer representation, property listing, and real estate consulting for complex situations.
What areas does Solve Lending & Realty serve?
Solve Lending & Realty is licensed in California under NMLS 2013271, DRE 02123993, and CFL 60DBO-153595. We serve Los Angeles, San Diego, Orange, Riverside, Ventura, and San Bernardino counties with personalized guidance and local market knowledge, while providing lending guidance throughout California.
How is Solve different from a big bank or online lender?
Solve is family-owned and operates as both a mortgage broker and a real estate agency. That means we can compare multiple lending paths while also coordinating the property strategy. A bank or online lender may only evaluate one set of products. Solve starts with the full situation before recommending a path.
Can Solve help me compare a cash-out refinance against a HELOC or second mortgage?
Yes. Solve helps California homeowners compare cash-out refinance, HELOC, fixed second mortgage, Home Equity Investment, reverse mortgage, and sale options based on the goal for the funds, the current first mortgage, documentation, property plans, and long-term payment impact. You can start with the California cash-out refinance guide.
Is a HELOC better than a cash-out refinance?
Neither is better for everyone — it depends on your current first mortgage and what the money is for. A HELOC or fixed second mortgage adds a second lien while leaving your existing first mortgage untouched, which often matters if you locked in a low rate; a cash-out refinance replaces the entire first mortgage at today’s terms. Compare the total long-term cost, the payment structure, and how much you actually need to borrow — and remember both are secured by your home, so missed payments carry foreclosure risk.
Does Solve Lending & Realty offer reverse mortgages in California?
Yes. Solve Lending & Realty offers reverse mortgage guidance for California homeowners, including FHA-insured HECM reverse mortgages and proprietary reverse mortgage options where appropriate. You can start with our California reverse mortgage guide.
Does Solve Lending & Realty offer services in Spanish?
Yes — hablamos español. Our team assists Spanish-speaking clients with purchase loans, refinancing, reverse mortgages, and real estate services throughout California. Juan Castaneda (NMLS 1163679) is our Spanish-speaking mortgage loan originator and can be reached directly at (619) 327-9800, or call (562) 262-9162 to schedule a consultation in Spanish.
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