Buy a Home in California โ Smarter Loans, Real Support
Letโs Cut Through the Noise and Build a Plan That Actually Works
๐ค Sick of getting outbid or told you need 20% down?
The Southern California market moves fast โ and waiting around could cost you real money and opportunity.
But hereโs the thing nobody tells you:
โ You donโt need perfect credit or a massive down payment
โ You donโt need to go bank to bank shopping rates
โ You donโt have to figure it all out alone
At Solve, we help you get clear, get pre-approved fast, and get ahead of the competition.
Kiyoshi Inui | President
Real people. No pressure. Just real mortgage solutions.
Based on the most recent 2025 data from the National Association of Realtors, U.S. Census Bureau, and Black Knight Mortgage Monitor:
๐ก Whoโs Buying Homes in 2025?
๐ฉโ๐ผ Millennial Movers: Now in their 30sโ40s, millennials make up over 38% of all homebuyers nationwide โ and growing fast in SoCal.
๐ป Remote Workers Going Suburban: Buyers are leaving LA/OC cores for places like Temecula, Murrieta, and Riverside for more space and lower price
๐ผ First-Time Buyers with 3โ5% Down: Most new homeowners in CA donโt put 20% down โ theyโre using FHA, CalHFA, VA, and low-down conventional loans.
๐ Investors & House Hackers: From duplexes to ADUs, DSCR + bank statement buyers are grabbing properties with rental income potential.
๐ด Empty Nesters + Downsizers: Many are using reverse purchase loans or cash-out equity to get into low-maintenance homes closer to family.
๐ก Multigenerational Buyers: 25% of 2025 buyers in CA are purchasing with parents, kids, or extended family under one roof โ dual incomes help!
๐ก What Most Lenders Wonโt Tell You
Most lenders wonโt tell you the truth โ because theyโre too busy quoting rates, pushing preapprovals, or ghosting after pulling your credit.
๐ฅ They wonโt break down how banks actually price loans.
๐ฅ They wonโt show you side-by-side options across multiple lenders.
๐ฅ They wonโt tell you how to structure your income or assets to qualify smarter โ not harder.
But we do. At Solve Lending & Realty, we show you whatโs behind the curtain:
โ How to choose between loan types based on your goals
โ How timing, income, and even property type affect approval
โ How we actually shop 150+ banks to match you with the best-fit loan, not just the one that pays a higher commission
๐ก Explore the Loan Options That Fit You Best
๐ก Traditional & Simple Purchase Loan Options
The most common mortgage types โ but tailored for your real goals.
๐ Conventional Loans
Great rates, flexible terms. Ideal for buyers with solid credit and at least 3โ5% down.
๐ FHA Loans
Perfect for first-time buyers. Lower down payment, more flexible credit requirements.
๐ VA Loans
Zero down. No mortgage insurance. Built for eligible veterans, active duty, and surviving spouses.
๐ USDA Loans
Buy in eligible rural zones with 0% down. Income and location-based.
๐ Creative Financing & Non-QM Programs
Not every buyer fits in the box โ and thatโs okay. These programs get creative.
๐ Bridge Loans (Buy Before You Sell)
Unlock equity from your current home to purchase your next โ without waiting to sell. Close fast, stay competitive, and avoid contingencies.
๐ Bank Statement Loans
Self-employed? Use your deposits instead of tax returns to qualify.
๐ Asset-Based Loans
Retired or not showing income? Qualify based on cash, stocks, or retirement reserves.
๐ 1099 Only Loans
Commission, contract, or gig worker? Use your 1099s directly โ no full tax returns needed.
๐ ITIN Loans
No SSN? These loans are designed for buyers with Individual Taxpayer ID numbers.
๐๏ธ Investment, Flipper, & Construction Loans
Buy income-producing or fix-and-flip properties with programs made for investors.
๐ DSCR Loans
Skip the tax returns โ qualify using your propertyโs rental income instead. Perfect for long-term or Airbnb-style investors.
๐ No-Doc Investment Loans
Minimal income verification. Designed for full-time investors with multiple properties or those scaling fast.
๐ Short-Term Rental Loans
Buying a vacation or Airbnb property? Use projected income to qualify, even if itโs your first investment.
๐ 2โ4 Unit Financing
Buy a duplex, triplex, or fourplex โ and live in one unit while renting the rest. FHA and conventional options available.
๐ Fix-and-Flip Loans ๐ ๏ธ
Fast funding for purchase + rehab. Short-term bridge financing designed to help you acquire, renovate, and exit profitably โ no income docs needed.
๐ New Construction Loans ๐งฑ
Ground-up residential projects funded with one-time or staged draws. We help investors and builders navigate lot loans, spec home financing, and end take-outs โ all under one roof.
๐ด Reverse & No-Payment Loan Options for 55+
Yes, you can buy a home โ and skip the mortgage payment.
๐ Reverse Mortgage for Purchase (HECM)
For buyers 62+, use a reverse loan to buy your next home with no required monthly payment.*
๐ Blended Retirement Options
Use retirement distributions or assets-in-reserve to qualify โ even without traditional income.
๐ Fixed-Rate No-Payment Reverse
Buy and hold long-term peace of mind. Keep your title and equity. No rent, no payment stress.*
๐ HomeSafeยฎ for 55+ (California)
California residents age 55+ can access a proprietary reverse mortgage with more flexible terms and higher loan limits than traditional HECM. Ideal for retirees who want to keep their title, stay in their home, and access equity โ without monthly payments.
This material is not from HUD or FHA and has not been approved by HUD or a government agency.
A reverse mortgage is a loan secured by your home. Borrowers must be at least 62 years old (or 55+ in some proprietary programs) and occupy the home as their primary residence. The borrower is responsible for paying property taxes, homeowners insurance, HOA dues (if applicable), and maintaining the home. Failure to meet these requirements may result in foreclosure.
Thereโs no โone-size-fits-allโ mortgage โ and thatโs a good thing. Whether youโre buying your first home, funding a flip, downsizing, or building wealth, our team will walk you through the loan programs built to fit your life, not just the bankโs checklist.
Family-Owned. California-Rooted. Always Personal.
Weโre not some nationwide call center or high-pressure lender.
Solve Lending & Realty is a family-run team based right here in California โ and weโre all about helping buyers win.
Whether you're buying your very first home or your forever home, we'll walk you through every option, fight for better terms, and make sure you feel confident โ not confused.
Because buying a home should feel exciting, not overwhelming. And with the right team, it can.
๐ What Kind of Buyer Are You?
Every buyerโs path is different โ and cookie-cutter loan advice just doesnโt cut it. Whether you're buying your very first home, moving up, flipping properties, or buying with a reverse mortgage, our team builds real plans around your goals, income, and timeline.
Letโs help you find the program that fits โ not force you into one that doesnโt.
๐ก First-Time Buyer
Buy With Confidence โ Even For Your First
Low down? No problem. Weโll show you real options that fit your budget and timeline โ without overwhelm.
๐ Bridge Loan Buyer
Want to Buy Before You Sell?
Use the equity in your current home to fund your next โ without waiting or getting stuck. Great for contingent offers or fast-moving markets.
๐ Self-Employed Buyer
No W2? No Problem. We Work with Real Life
Bank statements, assets, or 1099 income โ weโve got options designed for entrepreneurs and independent earners.
๐ ๏ธ Flipper or Fixer Buyer
Buying a Property That Needs Work?
We help flippers, renovators, and BRRRR buyers get access to hard money, rehab loans, and creative financing options.
๐ต Reverse Mortgage Buyer
Buying a Home Using a Reverse Mortgage
If youโre 55+, in California, you may qualify to buy your next home with no required monthly mortgage payment.
๐ผ Real Estate Investor
Building Wealth Through Property?
DSCR, rental-focused, and cash flow loans tailored for investors buying in todayโs fast-moving market.
โค๏ธ Why California Buyers Trust Solve
Home Purchase FAQs
How much do I need for a down payment?
Most California buyers donโt need 20% down. FHA loans allow as little as 3.5%, and some conventional programs go as low as 3%. VA and USDA may allow 0% down for qualified buyers.
What credit score do I need to buy a home?
While top rates go to 740+, many loan options start around 580โ620. We help you match your credit profile to the right program, including FHA, VA, and non-QM alternatives.
Can I get approved if Iโm self-employed?
Yes. We work with self-employed buyers using bank statements, 1099s, asset depletion, and other creative documentation โ no traditional W-2s required.
How do I get pre-approved?
We offer fast, online pre-approvals with no hard credit pull upfront. Youโll get a clear picture of your buying power โ and what programs you qualify for โ in minutes.
Can I buy and sell a home at the same time?
Absolutely. We help clients navigate bridge loans, contingent offers, and timing strategies so they can sell their current home and buy their next one without overlap or stress.
Do I need to pay off my debt before I buy?
No โ not necessarily. What matters most is your debt-to-income ratio (DTI). Weโll help you understand what lenders look at and how to position yourself to qualify.
Letโs Build Your Purchase Plan โ in 60 Seconds
Whether you're weeks away or just testing the waters, weโll help you see whatโs possible โ clearly, quickly, and without pressure.
Family Roots
Locally owned, family trusted.
True Partnership
Weโre by your side, start to finish.
Smart Solutions
Creative loans & real estate answers.
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Company DRE ID: 02123993
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.
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