Summit Home Lending

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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.

📉🏡 Mortgage rates improved again last week, reaching their lowest levels since September 23rd!Tech sector uncertainty he...
11/02/2026

📉🏡 Mortgage rates improved again last week, reaching their lowest levels since September 23rd!

Tech sector uncertainty helped push rates lower, while the Fed held rates steady. Whether this trend continues will depend on upcoming economic data and market conditions.

Here’s a quick look at what drove rates last week and what we’re watching next!


10/30/2026

It means so much when a client chooses to come back to us! 🏡🧡

We’re truly grateful for your continued trust in Summit Home Lending and for taking the time to share such kind words. A special shoutout to Wade Miller and Kylie Mell-Johnson for taking such great care of our client! 👏


10/28/2026

Helping our clients find financial peace of mind is what it’s all about! 🏡🧡

A heartfelt thank you to our client for trusting Summit Home Lending, and a big shoutout to Bradley Martinez and Kylie Mell-Johnson for making the refinance process smooth, simple, and stress free! 👏


📉🏡 Mortgage rates improved for the second week in a row, reaching their lowest levels in a month!Tech market uncertainty...
10/26/2026

📉🏡 Mortgage rates improved for the second week in a row, reaching their lowest levels in a month!

Tech market uncertainty helped push rates lower, while all eyes now turn to the Fed’s next announcement.

Here’s a quick recap of what happened last week and what we’re watching next!


🏡 Preapproved for a Mortgage? You're Not Quite at the Finish Line!Getting preapproved is an exciting step toward homeown...
10/14/2026

🏡 Preapproved for a Mortgage? You're Not Quite at the Finish Line!

Getting preapproved is an exciting step toward homeownership, but certain financial changes before closing could affect your loan approval.

Here are 4 things to watch:

💳 New Debt – Financing a car or making a large purchase can change your qualifications.

💼 Job or Income Changes – Changes in employment or income may require another review.

🏦 Large Bank Deposits – Unusual deposits may require additional documentation.

📊 Credit Changes – New accounts or changes in balances can affect your loan approval.

The takeaway: Keep your finances as consistent as possible between preapproval and closing. Check with your loan officer before making significant financial changes.

📖 Learn more about what to avoid during the mortgage process:
https://summitlr.com/mortgage-process/step1-documentation/

At Summit Home Lending, we're here to help you navigate the mortgage process with confidence.

📞 (714) 536-9500
🌐 www.SummitLR.com

🏡 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.


Address

18281 Gothard Street, Ste 203
Huntington Beach, CA
92648

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