We put the rate where you can see it.
Most lenders make you fill out your whole life story before they'll whisper a rate. Hard pass. Nudge the widget, watch your real number move, then talk to a human who actually answers — even after 5. Self-employed? We've got programs that never ask for a tax return or W-2.
Price it — no strings attached
- No credit pull to see your real rate.
- 50+ wholesale lenders compete for your loan.
- One point of contact from quote to close — Sam.
- No personal information needed for personalized rate quotes
A bank gives you one rate. We make 50+ lenders fight for it.
The whole number, up front
A real rate, APR, and closing costs — no name, no email, no credit pull. No sneaky fees. Find a lower rate? Bring it. We challenge you.
Buyers and investors, both
Down payment help and soft-pull pre-approvals for first-timers; DSCR, bank-statement and P&L loans for investors. Half our book is each.
A real human, even after 5
One contact — Sam — who actually picks up, nights and weekends, from your first quote to the keys in your hand.
Two kinds of clients. One broker who does both.
Half our business is first-time and move-up buyers — the other half is investors. All shopped across 50+ lenders.
Help with your down payment
Forgivable and deferred programs that can help with your down payment and closing costs — often the fastest path from renting to owning.
POPULARConventional
Competitive rates and cancellable PMI for qualified buyers.
FLEXIBLE CREDITFHA Loans
A flexible option for buyers still building their credit.
FOR VETERANSVA Loans
No PMI, with benefits exclusive to eligible veterans and service members.
RURALUSDA Loans
Financing for eligible homes in rural areas.
TAP EQUITYHELOC
Borrow against your equity for a renovation, debt payoff, or your next move.
LOWER PAYMENTRefinance
Cut your payment, shorten your term, or pull cash out.
From curious to keys in four steps.
See your rate
Run an instant estimate — no personal info, no spam afterward.
Soft-pull pre-approval
Same-day letter with a credit check that won't ding your score.
We shop the market
Your loan goes in front of 50+ lenders; we bring the best fit.
Close & get keys
We guide every signature to funding — and we're here after, too.
The down payment is the wall. We help you over it.
For most first-time buyers in California, saving the down payment is the hardest part. Assistance can cover it — and you may not even know you qualify.
- ✓Forgivable programs you never repay if you stay in the home
- ✓Help with both down payment and closing costs
- ✓Pairs with FHA and conventional loans, W-2 or self-employed
Hi, I'm Sam. Mortgages don't have to be confusing.
I started LoanGuru because too many buyers — first-timers and seasoned investors alike — get handed a rate, a stack of paperwork, and zero explanation. That's backwards. My job is to make every number make sense, whether it's your first home or your tenth rental.
You'll work with me directly. No call centers, no being passed around — just straight answers and a relentless focus on the best loan for your situation.
Real buyers. Real closings.
The things buyers actually ask.
Straight answers — the same way you'd get them on the phone.
Do I really not have to give personal info for a rate?+
Correct. See a real California rate with no name, email, phone, or credit pull. We only collect info once you decide to move forward — and pre-approval uses a soft pull that won't affect your score.
How much down payment do I actually need?+
It depends on the loan program and how you qualify — several options are built for lower down payments, and down payment assistance may help cover part or all of it. Run a no-info quote or tell us your scenario and we'll show what fits.
Is a broker really cheaper than my bank?+
Often, yes. A bank offers only its own products. As a broker we shop 50+ wholesale lenders for a single loan, which routinely beats retail pricing — and we handle the comparison.
Do you finance investment properties?+
Absolutely — about half our business is investor loans. DSCR loans qualify on the property's cash flow; we also do jumbo, bank-statement, and P&L financing, plus HELOCs to pull equity for the next deal.
FORMS
FIRST
We challenge you to find a lower rate.
See your real rate, APR, and closing costs in seconds — no personal info, no obligation. Find a lower rate anywhere, bring it to us, and we'll do everything we can to beat it.