Low Rates.

Straight Talk.

Less Paper.




Purchase and Refinance

California Real Estate 

We connect people.

Access to Lenders

Low Rates.

Wholesale Pricing

Negotiated 3rd Party Fees

Efficient Technology

Check Rates Online Anytime

Tell it Like It Is

Straight Talk.

Clear Instructions

Transparent Compensation

Complete Disclosure

Detailed Explanations


Digital Diligence

Less Paper.


Secure File Uploads

Online Application

Submit Documents Online

Seek expert advice.

Rates. Points and Fees.

Quick Quote

Loan scenario pricing calculator. Enter details and get a real time quote for common loan scenarios. If no results found please contact us, we have additional products not yet listed in the calculator.

Our Expertise

A single loan file with 2500 pages of income docs from over 50 entities requires superior organization, coordination with tax pros, customized spreadsheets and the tenacity to identify a single line item needed for qualification. We’ve done it.
We routinely work with our clients’ Admin, CPA, Attorney and/or Wealth Manager to expedite the gathering of supporting documentation.
Own 1-20+ entities? Consider it handled.  We are familiar with the usual and unusual IRS Forms including: 1040, Sch A-E, K-1, 1120/s, 1065, 1041. With numerous clients owning multiple entities we have the know-how to accurately document and calculate self-employment income.
Have 1, 2 or a dozen rental/additional properties? “Yes, we can” and we know the drill for residential and commercial property income calculation.  If you are in the market for your first or tenth investment property; we can help.

As far as we know, no one gets out of here alive. Marriage, Divorce, Birth or Inheritance?  Discretion, tact and diplomacy are sometimes needed for a smooth transfer of title interests during such changes.

We have experience making loans into and out of Trusts. Need to transfer Title before, during or after loan funding to or from an LLC, can do.  Whatever it takes to get it done, we’re at your service.


We will handle tasks for you. We know what to avoid and how to prevent delays.


Free Rate Quotes. We will never sell your private data and only share when required.


We’ll deep dive into the guidelines and research creative solutions for  your unique scenario.


We will answer questions, educate you and provide a single point of contact for the entire process.

Discover Your Options

Purpose, Property, Products.

“There is nothing like a dream to create the future.”
― Victor Hugo, Les Misérables

Purchase Loans

Catch the caboose of the real estate train with a starter home, up-size, downsize, find your the dream home or build wealth with rental property. Have your loan approval before making offers.

  • Prequalification
  • Preapproval
  • Automated  (AUS) Approval
  • (AUS) w/ Proof of Funds
  • Approval Letter (Generic)
  • Approval Letter (Custom)
  • Underwriting (UW) Approval

Refinance Loans

There are many reasons why a refinance might make sense. Our depth of knowledge and extensive product line often leads to creative solutions.

  • Cash-Out
  • Lower Rate, Get Paid
  • Lower Your Payments
  • Change loan term
  • Accelerate Equity Growth
  • Optimize Cash Flow
  • Home Improvements
  • Consolidate Debt
  • Remove or Reduce ‘PMI’
  • Change Title Vesting
  • Prepare to Buy
  • ‘Life’ Events

Property Types

We use different lenders and programs for various property types.  The term ‘Townhouse’ is a misnomer. The legal classification is either ‘Attached PUD’ or  ‘Condominium’.

  • Single Family Residence
  • Planned Unit Development
  • Detached PUD
  • Attached PUD
  • Condominium
  • Low-rise Condo (1-4 stories)
  • Mid-rise Condo (5-8 stories)
  • High-rise Condo (9+ stories)
  • Detached Condo
  • Site Condo
  • 2-4 Unit
  • Commercial

Occupancy Types

Who will occupy the subject property?

  • Owner Occupied
  • Second Home
  • Non-Owner Occupied
  • Investment Property
  • Non-Occupant Co-Borrower
  • Non-Titled Co-Borrower
  • Co-Signer
  • Guarantor
  • Non-Borrowing Spouse

Loan Products

Money Lending.  There is a loan product for just about every conceivable scenario.  The trick is to find the best pricing.

  • Agency
  • Fannie Mae (FNMA)
  • Freddie Mac (FHLMC)
  • Conforming
  • Conf High Balance
  • Government
  • FHA
  • VA
  • Non-Conforming
  • Jumbo
  • Portfolio
  • Interest Only
  • 3-24 Month Bank Stmt
  • Asset Based
  • Equity Based
  • Private/Hard Money
  • Commercial

“The real voyage of discovery consists not in seeking new landscapes, but in having new eyes.”

― Marcel Proust

Rates. Points and Fees.


Check the national averages. Loan costs AND 3rd party costs included for refinance scenarios.   Purchase scenarios include loan costs and appraisal cost estimate.

Cost Info

Custom quotes include loan origination charges AND typical 3rd party settlement charges for most refinance scenarios. Purchase quotes include lender fees only. Our goal is to be as accurate as possible from the start.

  • Credit Report
  • Admin/Underwriting
  • Appraisal
  • Title Report
  • Title Endorsement
  • Escrow
  • Recording
  • CA Record Processing

Costs vary, such as credit reports for joint or multiple applicants and recording fees.

APR Info

Annual Percentage Rate (APR). ‘Note’ rate and APR based on best case scenario. Rate and Term Refinance, 60 percent Loan To Value (LTV), 740+ Middle Credit Score, Owner Occupied, Single Family Residence, 30 day rate lock, Escrow Impounds for best pricing.

  • Finance Charges
  • Pre-Paid Finance Charges
  • (POC) Paid-Outside-Closing
  • Escrow Impounds
  • Pre-Paid Interest
  • Taxes & Insurance
  • Lender Credits
  • Lender Profit Margin
  • Settlement Charges
  • Closing Costs
  • Loan Costs
  • 3rd Party Fees
  • Cash-to-Close

Rate Lock Info

A rate lock protects your loan scenario pricing for a period of time and is subject to certain conditions.  Rates are subject to change until ‘locked’. Certain conditions must be met to ‘lock’ your rate. We offer the following and more.

  • 60 Day Rate Lock
  • 45 Day Rate Lock
  • 30 Day Rate Lock
  • 15 Day Rate Lock

Shorter rate locks have better pricing.  There can be penalties and price increases for broken rate locks.  Always ask for your rate lock confirmation in writing. Get prepared for a rate lock as fast as possible. We’ll get you there with no upfront or advance fees.

Privacy Info

We keep your information private and never sell or share it unless it is necessary to get you funded. Please view our ‘Privacy Policy’ for more details.

  • Secure File Transfer
  • No Tracking Cookies
  • Secure Fax
  • Document Destruction
  • Secure Chat
  • Data Destruction
  • No Ads
  • Offline Data Storage
  • Secure Communication Options

Black market data is big business but not our business.  We’ll help you find the most simple and secure way to get this done.

Any Questions?

We’ll answer, educate, and provide you a single point of contact for the entire process.

Our 5 Year Average:

Days from ‘Application’ to ‘Rate-Lock’.

Our 5 Year Average:

Days from ‘Rate-Lock’ to ‘Loan Docs’.

Our 5 Year Average:

Days from ‘Application’ to ‘Funding’.


Our 5 Year Average:

‘Locked’ Loan Closing Ratio.

The Process

Get Your Custom Quote

Run a pricing scenario with this tool, call us, or email the scenario and we’ll price it out. 


Gather Your Documents

Income, Assets, Real Estate Owned (REO), Valuation, Title, and Credit.  See, The Short List. Not all documents will be required and we may ask for additional items. You must have the basics ready to make application. Information from your documents is on the ‘1003 Loan Application’.  Accuracy in the beginning eliminates explaining and paperwork later on.  

The Short List: 

Application and Initial Disclosures

Once we have a complete 1003 Loan Application we will run your file through ‘automated underwriting’ and issue the initial disclosures including the Loan Estimate or ‘LE’. Electronic delivery of disclosures is the preferred method. It really speeds up the process and saves paper. We have a variety of different systems in place for electronic disclosures and will provide instructions when the time comes. After disclosures are acknowledged as received, we will proceed with sending the application package and additional disclosures. If you prefer not to use electronic delivery, we can use fax, mail, personal appointment, pony express or carrier pigeons. Whatever it takes! (Our standard practice is not to charge an upfront credit report or application fee)

Processing Your Loan

Your Mortgage Loan Originator (MLO) will begin processing your loan once the information to order the Property Appraisal is received. The appraisal, title and other services will be ordered on your behalf. We will require you to submit income and asset information as applicable to your loan, prior to submitting your loan package to our Underwriting Department. Your MLO may gather additional documentation during the loan process, as required to fully approve your loan.

Locking In You Rate

When an Automated Underwriting System (AUS) issues an “Approved” decision, and you have received an acceptance to your purchase offer from the seller (if applicable), and the Loan Estimate (LE) has been acknowledged as received, then you are eligible to lock the interest rate via phone/email with the assistance of your Mortgage Loan Originator (MLO).

There are different rate lock period options, such as 30 or 45 days. For refinances the lock period is typically 30 days.  Shorter locks have better pricing but more upfront preparation is required. Once we lock, the clock starts ticking, and closing before lock expiration is critical. Broken locks or lock extensions can increase pricing. Our standard practice is to order the appraisal at the time of rate lock and this will be an out of pocket cost for you.  With low or no cost scenarios you receive the credits for the appraisal through escrow at close.

If your loan does not receive an “Approved” decision, your MLO will contact you to discuss other options. If after 30 days you have not locked in a rate, we will close your application.

Appraisal Inspection

The appraisal fee can vary depending on the value, size, and occupancy of your home. It is paid for by you, usually at time of rate lock. Your home must be in good working order to avoid delays and re-inspections.  Examples of potential issues are open drywall, missing fixtures or appliances, broken windows or empty pools.  Sometimes, room additions without proper permits can be an issue.  Guidelines vary on the issue. Each situation is unique and to avoid ‘surprises’ should be disclosed and discussed with your MLO so an appropriate course of action can be charted.


The Underwriter will review all loan documentation and request additional items needed to get your file to ‘docs’. One of our specialties is the building of complete loan packages.  Our experience allows us to anticipate potential issues that an underwriter may find with your package. Our goal and typically practice is to send the underwriter a ‘tight’ file.  With proper upfront review and appropriate documentation, there will be minimal additional items needed. However, there are a litany of unusual discrepancies that can occur. Issues with credit data, IRS data, title data and various documents are just a few. Your MLO needs to be an expert in resolving these kinds of things or the process can stall out.   Knowing what is necessary and what is not necessary is key to streamlining the process.  We aim to get by with the minimal amount required documents at all times.

Final Disclosures

Closing Disclosure & Acknowledgment

The lender will issue the CD once the Doc Order process has been completed.  The CD must be acknowledged by the borrower before the documents can be signed.  This can be done electronically (if the borrower opted-in to receive e-disclosures) or by a paper version.

Signing Your Loan Documents

The loan documents are sent to the notary/closing agent for your execution. Once received, the closing agent will need to get in contact with you to schedule a time to sign loan documents. After the loan documents have been executed, they will be returned to the lender by the closing agent.

Funding And Closing Your Loan

After review and approval of your signed loan documents, the lender will wire funds to the title company, who will disburse the funds and record the necessary paperwork with the appropriate county. At this point, your loan is considered closed.

Reasons make the difference.

Why, Us?

We are speeding up the process with technology like e-signatures and secure file transfer.



We offer a number of secure communication and storage options.


We’ll fight for your best interest and vigilantly watch for errors.


We have worked with thousands of homeowners for over 25 years.



We’ll inform you of costs and always fully disclose our compensation.

Fast Turn Times

We can use e-signatures to speed the process up for you.

Access to Products

Our wholesale access gives you more options and better pricing.

Reasons make the difference.

Why, Us?

We are speeding up the process with technology like e-signatures and secure file transfer.

A job well done.

Our Clients Said…

Young people eventually reveal by their actions
if their motives are on the up and up (Pro 20:11) 

Susie in O.C.

IT  Supervisor | Landlord

You guys are so prompt and very responsive. The loan process was done flawless, and closed in such a short time. As always we are so glad to have our loans done through your office Susie

[Company Omitted for Privacy]

J.D. In So. Cal.


“Ray has also been helpful in areas beyond the financing deal – when I made my first solo home purchase that was structured in a rather complex way, Ray gave me suggestions on how I can protect myself and pointed out potential areas that would concern the lender.”

[Company Omitted for Privacy]

Tom in L.A.


The loan offered by Amerimac was among the lowest I could find on the Internet. Compared to the “streamlined” refinance offered by the servicer of my old loan, mine has a 0.5% lower rate and $5,000 lower closing costs. The now arduous documentation process went smoothly, and the terms, rate, and conditions of the loan at signing were exactly as promised.


Jim in L.A.

Chief Financial Officer

You so efficient..

[Company Omitted for Privacy]

Run a loan scenario quick quote and compare.

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About Us

Sunset West Financial, Inc. | CalBRE# 01160537 | NMLS# 233171 | Equal Housing Lender | DBA: Amerimac Plaza West Financial | HomeLoanDone |

Sunset West Financial Inc BBB Business Review


1238 Puerta Del Sol # 2B,
San Clemente CA 92673