About Solve Lending & Realty
Clear strategy. No pressure. Real guidance for California homeowners.
As a mortgage broker + real estate team, we align the entire plan so you’re not stuck making decisions in pieces.
Our story (and why it matters)
We’re Kiyoshi and Kenji Inui — brothers who entered the mortgage industry in 2004 with a simple belief: do right by people, and the business will follow.
In 2016, we moved into retail banking, thinking it would create the best outcomes for clients. But as the market shifted, we consistently saw wholesale lenders deliver better flexibility, pricing, and options — and we couldn’t stand watching clients miss out.
So in 2020 we built Solve Lending & Realty to give homeowners something most places can’t: real market access and a single strategy across real estate + lending.
What we do every day
- Build a clear plan (buy, sell, refinance, equity access — or a mix)
- Shop options across a broad lender network (not tied to one bank’s menu)
- Explain tradeoffs in plain language so you can decide with confidence
- Stay involved through closing — no call center handoffs
Fully licensed in California. Transparent. Compliant. Accountable.
Office
18000 Studebaker Rd #700, Cerritos, CA 90703
Mon–Thu 9 AM–9 PM • Fri–Sun 9 AM–5 PM • Phone: (562) 262-9162
Counties we serve
Los Angeles • Orange • San Diego • Riverside • San Bernardino • Ventura • Imperial • Santa Barbara
What makes Solve different
Real estate + lending, aligned
Your purchase offer, listing strategy, and financing should work together. We coordinate both sides so you’re not guessing on timing or leverage.
Options-first (not product-first)
We focus on outcomes: lower risk, stronger offers, faster timelines, or clearer cash flow. Then we match the solution — not the other way around.
Clear guidance in real language
No jargon, no pressure. You’ll understand the tradeoffs before you choose — even when the scenario is complex.
Local execution, not a call center
We stay involved from strategy to closing. If you call, you get a local professional — not a script.
How we help
We support homeowners and buyers with purchase loans, refinancing, equity access, investor financing, and selling strategies that fit real-world situations.
- Home purchase financing (first-time, move-up, and competitive offer strategy)
- Refinance planning (payment goals, term strategy, risk reduction)
- Second mortgages and HELOC alternatives (cash without touching the first mortgage)
- Reverse mortgage options (HECM and proprietary — when it truly fits the plan)
- Investor loans (including DSCR and other flexible structures)
- Real estate support (listings, buying, and strategic selling paths)
Want a clear plan for your next move?
If you’re buying, selling, refinancing, or trying to unlock equity — we’ll help you compare real options and choose a path you feel good about.
Equal Housing Opportunity. All loans subject to credit approval.
This page is educational only and does not provide legal, tax, or financial advice.
Are you a direct lender or a mortgage broker?
Solve Lending & Realty operates as a mortgage brokerage and real estate team. That means we can compare options across multiple lenders and match the solution to your goal.
Do you help with both buying and selling?
Yes. We support buyers, sellers, and homeowners exploring refinance or equity options. When real estate and financing overlap, we align the strategy so timelines and decisions stay clean.
What areas do you serve?
We serve homeowners and buyers across Southern California, including Los Angeles County, Orange County, San Diego County, Riverside County, San Bernardino County, Ventura County, Imperial County, and Santa Barbara County.
Can I talk to someone quickly before filling out a full application?
Absolutely. Many clients start with a quick strategy call to understand options, payment ranges, and next steps. If it makes sense, we’ll guide you into the right application path.
Client reviews