Premier Mortgage Broker & Home Financing in Valencia, CA
Faster pre-approvals and wholesale pricing from a broker whose office is on Valencia Blvd. Guidance for competitive master-planned purchases in Bridgeport, Westridge and Northpark.
No obligation No hard credit pull to start In person or fully online
Tailored Loan Solutions for Valencia Homeowners & Buyers
Whether stepping into a master-planned residence, consolidating credit card debt or financing an investment property, we structure the loan around your exact goals.
High-Balance Conforming Mortgages
Take full advantage of Los Angeles County’s conforming limit of $1,249,125. Agency pricing without jumbo overlays.
- Down payments from 3% to 5%
- Conventional, FHA and VA options
Standalone HELOCs & Home Equity
Keep your existing low-rate first mortgage intact. Access funds for upgrades, debt consolidation or reserves with a second-lien line.
- No-appraisal options on qualifying properties
- Interest-only draw periods available
Non-QM & Bank Statement Loans
For entrepreneurs, self-employed owners and 1099 contractors across the valley. Qualify with bank deposits instead of tax returns.
- 12 to 24 months of personal or business deposits
- DSCR loans for rental investors
Estimate Your Monthly Payment
Principal, interest, property tax and insurance for a home in Valencia. Enter the rate from your quote or Loan Estimate; the page does not supply one.
Los Angeles County property tax runs roughly 1.1% to 1.25% of the purchase price in the first year, and Mello-Roos assessments vary by tract. Ask us for the figure on a specific home.
Why Finance Your Home in Valencia with Theós Financial?
Valencia is the core of the valley’s master-planned vision: Bridgeport Lake, the Valencia Town Center and the interconnected paseos. Because homes here frequently fall between $750k and $1.5M+, access to Los Angeles County’s high-balance conforming limit lets many buyers avoid jumbo pricing while keeping underwriting quick and local.
Theós Financial Inc
23734 Valencia Blvd, Suite 206
Valencia, CA 91355
In the heart of Valencia. Meet in person or complete everything online.
From Application to Funding in 3 Steps
Digital processing backed by licensed loan officers who answer the phone.
- 01
Short online intake
Tell us your goal and basic profile from a phone or computer. No paperwork is needed to start.
- 02
Wholesale rate comparison
We price your scenario across multiple wholesale lenders and tell you plainly which one fits and why, with every cost on a Loan Estimate.
- 03
Pre-approval and closing
A pre-approval letter from the chosen lender, ready for your offer, then an update at every milestone through funding.
Valencia Mortgage Questions
How fast can Theós Financial issue a pre-approval letter in Valencia?
Once you finish the short intake and upload your income documents, a pre-approval letter from the lender we select typically follows within one to two business days, in time for a weekend open house.
Can I open a HELOC without touching my existing low-rate first mortgage?
Yes. A HELOC or a fixed-rate second mortgage sits in second position. Your first mortgage stays exactly as it is while you draw on the line, usually interest-only during the draw period.
What is the Los Angeles County conforming loan limit for 2026?
The FHFA designates Los Angeles County a high-cost area, so one-unit conforming loans go up to $1,249,125 in 2026. Many Valencia purchases fit under that line and avoid jumbo criteria.
Do you offer in-person meetings in Valencia?
Yes. The whole process can be done online, and our office is at 23734 Valencia Blvd, Suite 206. Call to set a time to review rate sheets, disclosures or self-employed returns in person.
More answers on the FAQ page and in the mortgage glossary.
Ready to Make Your Move in Valencia?
Families across the valley have trusted Theós Financial for competitive pricing, transparent guidance and on-time closings.