Competitive rates, transparent pricing, and expert guidance from pre-approval to closing. Experience mortgage lending the way it should be.
Loans Funded
Families Served
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Whether you're buying, refinancing, or tapping equity — we make it simple.
Know exactly how much home you can afford. Our fast pre-approval gives you the edge when making offers.
Start NowCompare personalized rates and loan options tailored to your financial profile — zero obligation.
Get a QuoteShop our most competitive rates side-by-side. Transparency means no surprises at closing.
Compare NowFrom first conversation to keys in hand — here's what to expect.
Free strategy call to discuss your goals and options.
Share financials to lock in your buying power.
Find your home and formally apply for financing.
Secure your rate during the lock-in period.
We verify details and get final approval.
Sign docs, get keys — you're a homeowner!
From conventional to creative — we match the right program to your goals.
Competitive rates and flexible terms for borrowers with solid credit and stable income.
Learn More →Low down payment and flexible credit guidelines — ideal for first-time buyers.
Learn More →Finance high-value properties beyond conforming loan limits with competitive rates.
Learn More →Flexible programs for self-employed, investors, and non-traditional income borrowers.
Learn More →Investor-focused loans qualified by property cash flow — no personal income docs required.
Learn More →Leverage your home equity for renovations, debt consolidation, or major expenses.
Learn More →Lower initial payments with interest-only periods for strategic cash flow management.
Learn More →Lower your rate, shorten your term, or cash out equity — we'll find the best fit.
Learn More →Your mortgage partner in California
Years Experience
Large lenders mean slow communication and one-size-fits-all products. At Bilt Loans, you get a dedicated partner who moves at your pace.
We shop across multiple lenders to find you the best rate available.
Average 12-day closings with a streamlined, technology-driven process.
Transparent updates at every step — no surprises, no runaround.
Tailored solutions for your unique financial situation and goals.
No hidden fees, no bait-and-switch. What we quote is what you get.
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5.0 on Google
"Exceptional service from start to finish. Bilt Loans made the entire mortgage process feel simple and organized. They explained every option clearly and I never felt pressured."
"As a first-time homebuyer I had so many questions. The Bilt team was patient, knowledgeable, and walked me through every step. Closed in just 12 days!"
"Refinanced with Bilt and saved $350/month. The communication was outstanding — always knew where my file was. Personal attention you won't get at big banks."
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Your feedback helps other families find a mortgage broker they can trust. If you've had a great experience with Bilt Loans, we'd love to hear from you!
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Ready to start your home loan journey? Reach out — we respond within 1 business hour.
(888) 588-5354
info@biltloans.com
Irvine, CA