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Summit Home Lending Summit Home Lending is a locally owned and operated direct mortgage lending business that has proudly served California homeowners and buyers for two decades.

Orange County, California-based Summit Home Lending is a direct mortgage lender, specializing in HELOCs, FHA, VA, Conventional Fixed Rate, and Jumbo mortgage loans for homebuyers and homeowners throughout California. As a direct lender, we call the shots. We have the ability to approve, process, underwrite, and fund your loan quickly. We are not bound by other financial institutions' requirements to charge borrowers pre-determined fees. On the contrary, we are proud to make quick decisions, answer your questions immediately, and secure the best loans with the best rates available for your specific mortgage needs in California. Summit Home Lending is proud to provide personalized service in the digital age. With all technological capabilities at our fingertips, we also enjoy one-on-one work with our clients, and home buyers and homeowners are welcome in our Huntington Beach, CA headquarters anytime. Summit Home Lending is a locally owned and operated business that has served California homeowners and buyers for two decades. Our focus on exceptional customer service has earned us the support and endorsement of clients, REALTORS®, and affiliate partners throughout the State of California. We are a proud supporter of local Orange County schools, local charitable organizations, and non-profits benefitting children in developing nations. We are proud to appear on KFI Radio’s 'The Patriot Program' and are a 'Homes For Heroes' Affiliate Lender. We invite you to contact us today, to begin the process of obtaining the loan you need to purchase a home, or to discuss money-saving refinance options available in California today.

🏡 Need cash from your home equity? You have options!A HELOC, a home equity loan, and a cash-out refinance can all help h...
10/08/2026

🏡 Need cash from your home equity? You have options!

A HELOC, a home equity loan, and a cash-out refinance can all help homeowners access equity, but they work differently.

The right choice depends on your current mortgage, how much you need, and your financial goals.

💡 Before replacing your existing mortgage, explore whether a second mortgage might make more sense.

Learn more about your options in our article:

🔗 https://summitlr.com/heloc-versus-cash-out-refinancing/

📞 (714) 536-9500

Self-employed? Your taxable income may not tell the whole story.When you own a business, qualifying for a mortgage can i...
10/07/2026

Self-employed? Your taxable income may not tell the whole story.

When you own a business, qualifying for a mortgage can involve a closer look at how your income is documented. Tax returns, profit & loss statements, business bank statements, and other documentation may all play a role depending on the loan program.

We put together a guide explaining what self-employed homeowners and homebuyers should know before applying.

👉 Read the full article:
https://summitlr.com/how-to-document-business-income/

Summit Home Lending | NMLS #339255 | Equal Housing Lender

10/05/2026

Mortgage rates moved higher last week as markets reacted to jobs data, global developments, and rising oil prices. 📊

Here’s a quick look at what drove the market and what we’re watching next.


Grateful for another strong quarter and for everyone who made it possible.Thank you to our clients for their trust, our ...
10/01/2026

Grateful for another strong quarter and for everyone who made it possible.

Thank you to our clients for their trust, our business partners for their confidence, and our incredible team for all they do.


Your HELOC rate can change — and your monthly payment can change with it.Many HELOCs have variable rates, which means un...
10/01/2026

Your HELOC rate can change — and your monthly payment can change with it.

Many HELOCs have variable rates, which means understanding how the rate works is an important part of deciding whether a HELOC fits your plans.

Our latest article explains what homeowners should know about variable HELOC rates, how rate changes can affect payments, and why it makes sense to compare a HELOC with your other home-equity options.

👉 Read the full article:
Variable HELOC Rates: What Homeowners Should Know

📞 (714) 536-9500
NMLS #339255 | Equal Housing Lender

When planning to buy a home, it’s easy to focus primarily on the down payment. But that’s only one piece of the budget.C...
09/30/2026

When planning to buy a home, it’s easy to focus primarily on the down payment. But that’s only one piece of the budget.

Closing costs, your monthly principal and interest payment, property taxes, homeowners insurance, HOA dues when applicable, and the cash you want to keep in reserve can all affect what feels comfortable.

The goal isn’t simply to determine how much home you can finance. It’s to understand the bigger financial picture and choose a mortgage and budget that make sense for you.

If you’re considering buying a home, our team can help you review your options and understand the numbers before you make a move.

📞 (714) 536-9500
🌐 SummitLR.com
NMLS #339255 | Equal Housing Opportunity

09/29/2026

We love seeing clients come back and trust us again! 🏡

A huge thank you to our client for choosing Summit Home Lending for a second refinance.

And kudos to Bradley Martinez, Kylie Mell Johnson, and the team for delivering a smooth two week close. 🙌


Mortgage rates made a sharp move higher last week, edging toward 7.5% after stronger than expected business activity cau...
09/28/2026

Mortgage rates made a sharp move higher last week, edging toward 7.5% after stronger than expected business activity caught markets off guard.

The biggest move came Wednesday and Thursday as investors reassessed the outlook for inflation and future Fed policy. Friday brought some relief, but rates still finished the week higher than where they started.

🏡 If you’re house hunting or already in the middle of a transaction, weeks like this are a good reminder that rates can move quickly. Rather than trying to perfectly time the market, it’s worth checking your numbers and understanding your options as conditions change.

📊 We’ll be watching this week’s economic data closely, especially the jobs reports, along with oil prices and their potential impact on rates.

Questions about what today’s market means for you? Let’s talk.


🏡 Conventional or FHA? The answer isn't the same for everyone.Both can be great paths to homeownership, but they work di...
09/24/2026

🏡 Conventional or FHA? The answer isn't the same for everyone.

Both can be great paths to homeownership, but they work differently when it comes to credit, down payment, mortgage insurance, property type, and your longer-term plans.

The goal isn't simply to choose the loan that's easiest to qualify for today. It's to understand which option makes the most sense for your financial picture and where you want to go next.

We break down the differences in our latest article:

👉 https://summitlr.com/conventional-loan-vs-fha-loan/

Have questions about which mortgage options may fit your situation? We're happy to help.

📞 (714) 536-9500
🌐 SummitLR.com
NMLS #339255 | Equal Housing Opportunity

🏡 Your home equity can be a powerful financial tool — but how you use it matters.Homeowners may consider tapping equity ...
09/23/2026

🏡 Your home equity can be a powerful financial tool — but how you use it matters.

Homeowners may consider tapping equity for home improvements, consolidating higher-cost debt, major planned expenses, or creating additional financial flexibility.

The key is having a plan and choosing a financing structure that fits your goals, budget, and overall financial picture.

Learn more in our latest article:
https://summitlr.com/how-to-use-home-equity/

Have questions about your options? Summit Home Lending can help you compare the possibilities.

📞 (714) 536-9500
🌐 SummitLR.com
NMLS #339255 | Equal Housing Opportunity

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18281 Gothard Street, Ste 203
Huntington Beach, CA
92648

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