California family home at golden hour
    Licensed California Mortgage Brokerage

    Lower rates.
    Faster closings.
    Real human guidance.

    We shop 40+ lenders to find the best mortgage for your goals — whether you're buying your first California home, refinancing, or investing. No hidden fees. No runaround.

    • Pre-approval in 24 hours
    • Close in as little as 12 days
    • FHA, VA, Conventional, Jumbo & DSCR
    • Transparent pricing — no junk fees
    • Fully licensed Canadian & US Broker, access your Canadian Equity for down down-payment, we handle it all.
    Payment Calculator

    No credit pull required · No obligation · Takes 60 seconds

    Free Quote

    See your rate in 60 seconds

    No credit check. No obligation. Just real numbers from a real broker.

    Your information is secure & never shared

    About Mortgage Solver, Inc.

    Why Choose Mortgage Solver, Inc.?

    Decades of Experience. A Lifetime of Partnership.

    At Mortgage Solver, Inc., we bring over 25 years of combined experience across the real estate and mortgage industries. We know that a home is more than just a loan—it's your future. That's why we trade automated scripts for individual attention, ensuring your unique goals are our top priority.

    25+ Years of Expertise

    Our deep roots in real estate and lending mean we navigate complex markets so you don't have to.

    Individual Attention

    No call centers here. You get a dedicated expert who knows your name and your story.

    Partners for Life

    Our goal isn't just a single transaction; we aim to be your trusted mortgage advisor for every home you ever buy.

    25+ yrs
    Combined industry experience
    Independent
    We work for you, not a bank
    Fast closings
    Streamlined, transparent process
    1-on-1
    Direct access to your loan officer
    Why Mortgage Solver

    A smarter way to finance your home.

    We're an independent California brokerage — not a bank. That means we shop 40+ lenders to win you the loan a single bank simply can't match.

    Lower Rates, Real Savings

    We shop your loan across 40+ wholesale lenders so you don't overpay — saving the average client $14,000 over their loan term.

    Close in 12 Days

    Modern underwriting, dedicated processors, and tech that moves at your pace — not the bank's.

    A Real Advisor, Always

    One California-licensed loan officer from your first call to closing day. No call centers, no handoffs.

    Loan Programs

    The right loan for every kind of borrower.

    Whether you're buying your first home, scaling a rental portfolio, or financing across the border, we'll match you to the program that fits your goals — clearly explained, no jargon.

    See how it works
    First-Time BuyersInvestorsSelf-EmployedCanadian Borrowers 🍁Refinance
    First-Time Buyers

    FHA Loans

    Government-backed loans built to make homeownership reachable — even with limited savings or a lower credit score.

    • As little as 3.5% down
    • Credit scores from 580
    • Gift funds welcome
    Learn more
    Veterans & Active Duty

    VA Loans

    A thank-you to those who served. 100% financing with no monthly mortgage insurance for eligible veterans.

    • $0 down payment
    • No PMI ever
    • Reusable benefit
    Learn more
    Move-Up & Repeat Buyers

    Conventional Loans

    The most popular mortgage in America — flexible terms, competitive rates, and PMI you can drop at 20% equity.

    • From 3% down
    • Best long-term pricing
    • Primary, 2nd, or rental
    Learn more
    Luxury & Coastal Buyers

    Jumbo Loans

    Financing above conforming limits for California's higher-cost markets and luxury homes — without the stiff process.

    • Loans into the millions
    • 10–20% down options
    • Rates rivaling conforming
    Learn more
    Real Estate Investors

    DSCR Loans

    Qualify on the property's rental income — not your tax returns. The investor's secret weapon for scaling a portfolio.

    • No W-2s or tax returns
    • Close in an LLC
    • Unlimited properties
    Learn more
    Self-Employed & 1099

    Bank-Statement Loans

    Built for self-employed borrowers and 1099 earners. We use 12–24 months of deposits — not write-off-heavy tax returns.

    • No tax returns required
    • Personal or business deposits
    • Up to jumbo amounts
    Learn more
    Current Homeowners

    Refinance

    Lower your rate, shorten your term, drop PMI, or tap equity for renovations and goals — with a clear break-even analysis.

    • Rate-and-term or cash-out
    • Drop FHA MIP / PMI
    • Streamline options
    Learn more
    Canadian Borrowers 🍁

    Canadian Cross-Border

    Specialized financing for Canadians buying U.S. property. Bilingual guidance through credit, currency, and cross-border tax basics.

    • Foreign-national programs
    • USD or CAD planning
    • Vacation & rental friendly
    Learn more
    Not sure which program fits? — we'll match you in one quick call.
    Plan with Confidence

    Mortgage Payment Calculator

    Estimate your monthly payment in CAD or USD. Adjust the price, down payment, rate, and term to see what fits your budget.

    Mortgage Calculator

    Estimate your monthly payment

    ·

    Interactive. Adjust the sliders or inputs to update your estimated payment.

    $
    $100,000$3,000,000
    $
    0%50%100%
    %
    1%12%
    30 years
    Estimated
    Monthly Payment
    $3,694
    Principal & interest only · USD
    Loan amount
    $600,000
    Total interest
    $729,949
    Total paid
    $1,329,949

    Estimates exclude taxes, insurance, HOA, and (where applicable) mortgage insurance. For illustration only — not a loan offer.

    California family receiving keys to their new home
    About Mortgage Solver, Inc.

    A boutique California brokerage built on relationships, not transactions.

    Mortgage Solver, Inc. is an independent, California-licensed real estate and mortgage brokerage founded on a simple idea: every borrower deserves a real advisor. With a combined 25+ years of real estate and mortgage experience, our team guides clients through every step of the process — from the first conversation to the keys in your hand.

    When you call us, you reach a person — not a queue. We take the time to understand your goals, explain your options in plain language, and stay in touch long after closing. Many of our clients come back for their next purchase, refinance, or referral, and that's exactly how we like it.

    • Independent broker — we work for you, not a bank
    • Direct access to your loan officer from application to close
    • Specialized cross-border expertise for Canadian investors
    • Licensed in California · NMLS# 2336085 · Equal Housing Opportunity
    Meet the Team

    The people behind every loan.

    Two experienced professionals — one direct line. You'll work with us personally from your first call to closing day.

    CA

    Cyrus A. Abtahi

    Broker-Officer & Founder
    CA DRE Officer License #02244497 · NMLS Registered

    Cyrus founded Mortgage Solver, Inc. on the belief that home financing should feel personal, transparent, and unhurried. With deep roots in California real estate, he leads every client engagement with a commitment to education and clear communication — making sure first-time buyers, repeat homeowners, and seasoned investors all walk away feeling confident in their decision.

    • Broker-officer of record for Mortgage Solver, Inc.
    • Specializes in purchase, refinance & investment property financing
    • Known for hands-on advisory and long-term client relationships
    • Bilingual support — fluent in English & French
    AK

    Alex Khalil

    Loan Officer · Cross-Border Specialist
    NMLS Licensed · Canadian Investor Program Lead

    Alex partners with clients across the U.S. and Canada, with a focused specialty in helping Canadian buyers purchase U.S. investment and rental property. He understands the documentation, currency, and qualifying nuances that make cross-border lending different — and walks Canadian clients through every step with patience and clarity. Whether you're buying your first U.S. rental or scaling a portfolio, Alex is your direct point of contact.

    • Foreign National & DSCR investor financing
    • Guides Canadian buyers through U.S. tax ID, banking & escrow
    • Serves clients in Toronto, Vancouver & Calgary
    25+
    Combined years of real estate & mortgage experience
    1:1
    Direct access to your loan officer — no call centers
    100%
    Independent advice — we work for you, not a bank
    How It Works

    From first call to keys — in five simple steps.

    Most clients move from consultation to closing in under 30 days.

    1.
    Schedule a Consultation

    Share your goals, timeline, and property details with a licensed loan expert.

    2.
    Review Tailored Loan Options

    We walk you through programs that match your profile and investment strategy.

    3.
    Get Pre‑Approved

    Submit your documents once and receive a clear, lender‑backed pre‑approval.

    4.
    Underwriting & Conditions

    We guide you through underwriting, appraisal, and any final conditions.

    5.
    Close With Confidence

    Sign your final documents and secure your new property.

    Free, no-pressure 15-minute call · No credit pull
    Secure Document Upload

    Send your documents safely — in just a few clicks.

    Once we've talked through your goals, you can upload everything we need through our encrypted document portal — bank statements, IDs, pay stubs, tax returns, and any supporting paperwork — without ever attaching them to an email.

    Your files are transmitted over an encrypted connection and stored only inside our protected Microsoft OneDrive workspace, accessible to your loan officer and broker. Nothing is ever stored on this website.

    • End-to-end encryption in transit (TLS)
    • Stored only in our protected OneDrive — never on the public site
    • Access limited to your assigned loan officer and broker
    • Handled in line with our Privacy Policy & GLBA safeguards

    Upload Your Documents

    Encrypted submission · Routed directly to your loan team

    What you can send
    Government-issued photo ID
    Recent pay stubs (last 30 days)
    Bank statements (last 2 months)
    W-2s, 1099s, or T4s/NOAs
    Federal tax returns (last 2 years)
    Mortgage / homeowners insurance
    Purchase contract (if applicable)
    Any letters of explanation
    Open Secure Upload Form Opens our encrypted portal in a new tab

    Please do not send sensitive documents via email or text. If you have questions about what to send or need a document in an alternative format, contact your loan officer directly — we're here to help, every step of the way.

    Ready When You Are

    Your next home starts with a 15-minute call.

    Whether you're 90 days from buying or just curious about what you qualify for, our California-licensed loan officers will give you straight answers — no pressure, no obligation.

    Or call (951) 412-5450
    Mortgage Solver Inc. California advisor team
    FAQ

    Frequently Asked Questions

    Straight answers about financing, timelines, and the documents you'll need.

    Have a question we didn't cover? Contact us — we'll get back within one business day.