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Palmdale · Lancaster · Quartz Hill

A mortgage broker in Palmdale, for the whole Antelope Valley.

We compare wholesale lenders for Antelope Valley buyers, homeowners and investors, then show you the rate, payment and cash to close side by side.

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The short answer

Who we are, and where.

Fast Financial is a California-licensed mortgage broker (NMLS 2226871) with an office at 190 Sierra Ct Ste 324, Palmdale, CA 93550. We arrange purchase loans, refinances, first-time buyer loans, bank-statement loans for the self-employed, DSCR loans for rental investors and other non-QM loans for Palmdale, Lancaster, Quartz Hill and the rest of the Antelope Valley. Because we are a broker, not a bank, we shop several lenders for each file instead of offering one lender's menu.

Who we help here

Antelope Valley loans we arrange most.

First-time buyers

FHA, conventional and low-down-payment options, plus a check of which California and Los Angeles County down-payment assistance programs are open when you apply.

Self-employed borrowers

If your tax returns understate what the business earns, a bank-statement loan can qualify you on deposits instead. Common for Antelope Valley contractors, truckers and owner-operators.

Rental property investors

DSCR loans qualify on what the property rents for, not your personal income. Used for Palmdale and Lancaster single-family rentals and small multifamily.

How DSCR loans work →

Non-QM files

Asset-depletion, 1099-only income, and files a bank declined for reasons that are not about ability to pay. Priced against conventional first, so you see the trade-off.

Aerospace and Edwards AFB households

Conventional, FHA and VA loans with lenders that count overtime, shift differentials and per-diem history correctly.

Professions we serve →

Refinance and cash-out

See the new payment, the cost to switch, and the month you come out ahead before you refinance a Palmdale or Lancaster home.

Refinance options →

Local details

What changes the math in the Antelope Valley.

Newer tracts in west Palmdale and Lancaster can carry Mello-Roos or other special assessments that raise the monthly payment beyond the base property tax. Many homes have leased solar panels, which the lender has to review before closing. New-construction builders often offer incentives tied to their own lender, so we price those offers against outside options so you can compare. We show these costs in your numbers up front, not at the closing table.

Common questions

What Antelope Valley borrowers ask us.

Yes. Fast Financial is a California-licensed mortgage broker (NMLS 2226871) based at 190 Sierra Ct Ste 324, Palmdale, CA 93550. We work with buyers and homeowners in Palmdale, Lancaster, Quartz Hill, Littlerock, Acton and the rest of the Antelope Valley by phone, video, or in person by appointment.
Often, yes. If your tax returns show enough income, a standard conventional or FHA loan may work. If write-offs lower your taxable income, a bank-statement loan can qualify you on 12 or 24 months of deposits instead, usually with a larger down payment and a higher cost than a conventional loan. We look at your statements and tell you which route fits.
Fast Financial arranges DSCR loans for rentals in Palmdale, Lancaster and across California through several wholesale lenders. The loan is sized on the property's rent compared with its payment, so personal income documents are usually not required. DSCR loans are for investment properties, not a home you will live in.
Fast Financial does, including bank-statement, DSCR, asset-depletion and 1099-income loans. Non-QM loans cost more than conventional loans, so we price a conventional or FHA option first and only recommend non-QM when it is the better fit for your file.
State programs from CalHFA and Los Angeles County programs can help with a down payment, but they have income and price limits and open and close funding rounds. When you are ready, we check what is open and whether you qualify, alongside FHA and low-down-payment conventional loans.
No. Seeing your loan options costs nothing and does not affect your credit to start. You decide whether and when to move forward.

Broker, not lender. Fast Financial, NMLS 2226871, is a mortgage broker licensed in California. All loans are subject to lender approval, credit review, property review and program availability. Program details change; we confirm current terms before you commit.

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