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California Wholesale Lending

“Our company has offered over 2000 Homeowners better rates and lower mortgage payments through the course of the 10+ years we’ve been in business.

California Wholesale Lending is Southern California’s #1 preferred mortgage loan brokers, specializing in ‘fixing the unfixable’.Our Broker-Owner, Tony Nasim, thrives off taking the most complex loan transactions, conducting diligent and extensive industry research to find the best solutions for each client’s particular needs.

With our attention to detail, we offer a trusted advisor approach to our clients to personally ensure each loan transaction is a success. Don’t take it from us, see what our clients have to say about us!”

Residential Mortgage Brokers:

California Wholesale Lending, based in Porter Ranch, has been offering its elite mortgage brokering services since 2012. We are specialized in First Time Buyers, Jumbo Loans, Conventional Loans, FHA Loans, VA Loans, Private Money Loans, Fixed Rate Mortgages, Adjusted Rate Mortgages (ARM), Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM), Interest Only Mortgages, Balloon Mortgages, Reverse Mortgages and Foreign National Loans. Foreign National Loans are programs for Borrowers who don’t have a Green Card, Social Security number or a VISA. Our company prioritizes finding the best mortgage for every client particular to their individual needs and circumstances with utmost efficiency. We have helped our clients attain mortgages specializing in first time home buyers, investors, fixed, adjustable and interest-only options. We utilize our resources and experiences with major lenders in order to serve each client as fast as possible. Our role is simply to make it easier to get a well-structured mortgage.

Meet Tony

Tony

California Department of Real Estate Broker#01892824 | NMLS #819586

“Tony Nasim, our Broker-Owner, offers invaluable dedication & expertise with his 15 + years of industry experience to entrusting clients & prospects alike.

Borrowers can be confident that my knowledge of the industry allows me to quickly identify and solve issues early in the loan process. My primary goal is to assist borrowers in choosing the ideal home loan and to completely simplify the process.

In his time off, Tony enjoys spending quality time with his family. On weekends he enjoys playing basketball or traveling with his three boys and darling daughter.”

Why Choose Tony

OFFERS ACCESS TO HUNDREDS OF LOAN PRODUCTS A mortgage broker offers a wide range of mortgage loans from a number of different

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OFFERS ACCESS TO HUNDREDS OF LOAN PRODUCTS A mortgage broker offers a wide range of mortgage loans from a number of different lenders. The greater the broker’s experience and network, the better your opportunity to obtain the loan product and the interest rate that best suits your needs.

FINDS THE MOST ADVANTAGEOUS DEAL A mortgage broker represents your interests rather than the interests of a lending institution.

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FINDS THE MOST ADVANTAGEOUS DEAL A mortgage broker represents your interests rather than the interests of a lending institution. They should act not only as your agent, but as a knowledgeable consultant and problem solver. With access to a wide range of mortgage products, a broker is able to offer you the greatest value in terms of interest rate, repayment amounts, and loan products. Mortgage brokers will interview you to identify your needs and your short and long term goals. Many situations demand more than the simple use of a 30 year, 15 year, or adjustable rate mortgage (ARM), so innovative mortgage strategies and sophisticated solutions are the advantage of working with an experienced mortgage broker.

HAS FLEXIBILITY & EXPERTISE TO MEET YOUR NEEDS A mortgage broker navigates the client through any situation, handling the

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HAS FLEXIBILITY & EXPERTISE TO MEET YOUR NEEDS A mortgage broker navigates the client through any situation, handling the process and smoothing any bumps in the road along the way. For example, if borrowers have credit issues, the broker will know which lenders offer the best products to meet their needs. Borrowers who find they need larger loans than their bank will approve also benefit from a broker’s knowledge and ability to successfully obtain financing.

SAVES YOU TIME With a mortgage broker, you only need one application, rather than completing forms for each individual lender

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SAVES YOU TIME With a mortgage broker, you only need one application, rather than completing forms for each individual lender. Your mortgage broker can provide a formal comparison of any loans recommended, guiding you to the information that accurately portrays cost differences, with current rates, points, and closing costs for each loan reflected.

SAVES YOU MONEY WITH NO HIDDEN COSTS A mortgage broker is offered loans on a wholesale basis from lenders,, and therefore can

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SAVES YOU MONEY WITH NO HIDDEN COSTS A mortgage broker is offered loans on a wholesale basis from lenders, and therefore can offer the best rates available in the market, typically making the total loan cost lower for the client. A reputable mortgage broker will disclose how they are paid for their services, as well as detail the total costs for the loan.

DELIVERS PERSONALIZED SERVICE Personalized service is the differentiating factor when selecting a mortgage broker. You should expect

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DELIVERS PERSONALIZED SERVICE Personalized service is the differentiating factor when selecting a mortgage broker. You should expect your mortgage broker to help smooth the way, be available to you, and advise you throughout the closing process. Check the qualifications and experience of the mortgage broker, ask for references, and rely on referrals from your attorney, accountant, real estate agent, or financial planner.

Client Review

Tony is truly amazing at what he does from the first call to the close of the deal he and his team are with you every step no matter week day or weekend or even a holiday , you and your team where a godsend bless you and bless all your family's , to all Who is reading this review i have to say that tony is the man got loan that no one can .... and believe me when i say it Thank you and thanks to Teresa

Ibrahim H. Canyon Country, CA

Add me to the list of people on this site giving amazing reviews for these guys. I recently had the opportunity to work with Tony on a refinance of my home and he exeeded my expectations by a long shot. It's one thing to get a great deal, which I did, it's a whole other thing to receive top-notch professionalism at every step of the way. Tony doesn't allow any hiccup or potential hurdle to get his customers flustered, because he's out in front of everything and is amazing at communicating throughout every single step. Bottom line: if you're looking for a mortgage, Tony and his team are your best option!

Rob S. West Hills, CA

Tony is very good to work with and really knows the business. This was our second loan process w/ Tony and he was responsive and diligent in guiding us through the many intricacies of paperwork. Would absolutely recommend him to family and friends. He went out of his way to accommodate our needs. Thanks, Tony! LOAN STATUS: Closed Feb 2022 LOAN TYPE: Home equity CLOSE ON TIME: Yes INTEREST RATE: As expected FEES/CLOSING COSTS: Lower than expected

Jim Weir Walnut Creek, CA, 2/22/2022

Tony is great at what he does and makes the process easy and simple. He’s always open to questions and will explain anything you ask him to. He will always pick up the phone, and if busy will always call back at a later time. LOAN STATUS: Closed Jan 2022 LOAN TYPE: Purchase CLOSE ON TIME: Yes INTEREST RATE: Lower than expected FEES/CLOSING COSTS: As expected

Nadimdiab Pomona, CA, 2/1/2022

Tony is simply the best lender I have ever known!!! He gets everything done much ahead of time, presenting solutions that best fit your individual needs! My personal experience with him, supplemented by conversations with my friends with whom Tony worked, leads me to believe that Tony is just excelling in getting the deal done on the most favorable loan terms for you! After considering his prowess, contributions to the field, sacrifice, and personal interaction, I enthusiastically recommend Tony as your future lender in a multitude of settings! LOAN STATUS: Closed Jan 2022 LOAN TYPE: Purchase CLOSE ON TIME: Yes INTEREST RATE: Lower than expected

Andrzej Urbanowicz Los Angeles, CA, 1/25/2022

Thank you for being so wonderful and gracious to me during the entire process!” “Thank you from the bottom of my heart for all of your help to get the loan and for assisting us with all of the papers. It has been a pleasure to work with you!” “You will always be my go-to!” LOAN STATUS: Closed Dec 2021 LOAN TYPE: Purchase CLOSE ON TIME: Yes INTEREST RATE: Lower than expected FEES/CLOSING COSTS: As expected

Mohammad Hossaini Los Angeles, CA, 1/15/2022

Tony, is super honest with everything, has excellent service, is very professional, explains everything to you, and is extremely helpful. I highly recommend Tony to anyone! LOAN STATUS: Closed Jan 2022 LOAN TYPE: Purchase CLOSE ON TIME: Yes INTEREST RATE: Lower than expected FEES/CLOSING COSTS: Lower than expected

Alan S Los Angeles, CA, 1/13/2022

Tony is the best. He gets everything done and is honest and gives his best opinion would recommend him to anyone. He’ll give you the best advice out there. He makes you feel comfortable I would work with him again LOAN STATUS: Closed Jan 2022 LOAN TYPE: Purchase CLOSE ON TIME: Yes INTEREST RATE: Lower than expected FEES/CLOSING COSTS: Lower than expected

Lakers 1 Los Angeles, CA, 1/13/2022

This is not the first time and won't be the last time I do business with Mr tony who helps me again to get the dream condo for my parents. He is very professional and always available 24/7to answer all my questions and gives valuable advice. I really recommend him for all lending jobs. Thank you and see you again on another project LOAN STATUS: Closed Jan 2022 LOAN TYPE: Purchase CLOSE ON TIME: Yes INTEREST RATE: Lower than expected FEES/CLOSING COSTS: As expected

Brove86 Santa Clarita, CA, 1/11/2022

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Mortgage Process Simplified

The 8 Steps of the Mortgage Process

Step One: Application Process
During the application process, there is a pre-approval period that you will go through to learn how much a mortgage lender is willing to give you. During the pre-approval and application process, the lenders will take a look at your income, assets, and credit — in turn telling you how much they can give you. These factors also impact your interest rate.

Step Two: Credit Ordered, Disclosure Issued
The first step in the application and pre-approval process is to answer questions about your income, your assets, yourself, and the home you want to purchase. You will then give your mortgage lender permission to take a look at your credit. Your credit report is a compilation of any borrowing history from credit card companies, banks, credit unions, car loans, etc.

Step Three: Gather Documents
The paperwork needed for the approval process is crucial! There are 5 major documents you will need for the pre-approval and approval process. You will need your proof of assets, proof of income, credit check, employment verification, and identification (driver’s license, passport, social security card). The faster you get these documents to your potential lender, the faster the process can be.

Step Four: Appraisal Ordered
A home appraisal is a true estimate of what a home is worth. Your lender will order an appraisal on the home you are looking to purchase so that there is an objective way to assess the home’s value and ensure that the money being borrowed is appropriate and accurate. This also prevents the lender from giving the seller more money than the home is truly worth. The appraisal must be done by a third party who has no connection to the buyer, seller, or lender.

Step Five: Submit to Underwriting
What is underwriting? Underwriting means that your mortgage lender will verify your property details, debt, assets, and income to get the final approval for your loan. An underwriter is someone who is a financial expert and double-checks your finances and documents given are true and assesses how much risk a lender will take on the client if they decide to approve your loan.

Step Six: Approval
Drum roll please….you have been approved! Getting approved for your mortgage loan means that your lender has reviewed, double, and triple-checked your financial situation and documents and confirmed your ability to take on mortgage payments. The approval means that you have an amount to borrow, your interest rate is set and you have made an agreement on how much your payments will be. Your real estate agent can then use this information to focus on homes you can afford. A mortgage approval also lets the seller know that you are serious and you can afford the home you are buying.

Step Seven: Clear to Close
You are ready to close this deal with your mortgage lender. You have met all of the requirements and conditions your lender needs to issue you the money for your home. At this time, you are a verified borrower and you have met all of the expectations for the type of loan and amount of mortgage you are requesting.

Step Eight: Closed to Funded
Once you, as the borrower, have signed the loan documents, you have closed the deal! Funding will happen once the lender reviews the signed documents and gives the title company access to the money. The home loan will finally become official after recording confirmation from your local county recorders’ office. After your recording confirmation, you can fully enjoy your new home!

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