Santa Monica · Homes for Sale
Santa Monica Home Loans
Financing a Santa Monica Home
Buying a home in Santa Monica or refinancing the one you own starts with understanding your loan options. Miamar Realty and broker Jay Romero help you find financing and connect with lenders across Los Angeles County. The city has its own rent control rules, which matter when buying or selling rental property.
Purchase, Refinance and Equity Options
Depending on your situation, you may look at: FHA-insured loans made by FHA-approved lenders for a primary residence. Home equity loans or lines of credit, where your home secures the debt. Conventional financing for buyers who fit standard lender guidelines. Rate-and-term or cash-out refinancing, subject to lender guidelines. Coastal homes in Santa Monica can be priced above standard loan limits, so some buyers will look at jumbo financing with their lender.
What to Expect
We start with your goals and timeline, then help you find a lender. The lender takes the application, reviews credit, income, assets and the property, and decides whether to issue a pre-approval or approval. You are free to compare lenders. We also serve Culver City, El Segundo and Manhattan Beach.
Get Started on Your Santa Monica Home Loan
Call or text Jay at (949) 822-8702, or send us a text with what you want to do and the property city. Please mention Home Loan Page – Santa Monica so we know which page you saw. Please do not text personal financial details. Shopping for a home? See Santa Monica Homes for Sale.
Santa Monica Home Loan FAQs
When does refinancing make sense?
It depends on your goals and costs. Compare the lender’s Loan Estimate with your current loan before deciding.
Can you tell me my rate?
Rates and terms come only from the lender after it reviews your application. We do not quote rates on this page.
We help you find financing. Loans are made by third-party lenders, not by Miamar Realty. Jay Romero, DRE 01343079. Real estate broker, California Department of Real Estate. If Jay also helps you buy or sell, he may be paid in both roles. You may use any lender. Not affiliated with HUD, FHA or any government agency. Home equity loans are secured by your home. This is not a commitment to lend. All loans are subject to credit approval, property approval and underwriting. Programs can change, and not all applicants qualify. Equal Housing Opportunity.
Keep Exploring
Buyer Match
Get matched to Santa Monica homes
Tell us what you are looking for and Jay Romero will reach out when the right homes come to market.
Selling first? Request a home value or call (949) 822-8702.
