Gardena Financial Mortgage

Building real estate relationships through lending with honesty, transparency, and speedy processing. Whether you are an experienced investor or a first-time borrower, we want to become your real estate financial partner.  Let us help you get a great rate on your home loan.  

Rental: 1-4 units

Refinancing

Multifamily

Mortgage Options

Changing how you get your loan done with one loan at a time.

Today's Rates

Contact us about today’s rate.

Buying a Home

Are you looking to buy your first house or upgrade to a bigger home?  Contact us to find a home loan to fit your budget.

Diverse Loan Options

We can customize the right loan for your specific situation.

Other Financial Services

Explore our tax preparation, financial advisory, and other services in addition to your mortgage to gain a holistic view of your financial picture.

Get a Free Consultation

Whether you’re buying your first home or your fifth home, Gardena Financial Mortgage is here to make your purchasing or refinancing experience run smoothly. From application to closing, your personal mortgage advisor will be with you every step of the way. Fill out the free mortgage consultation form and we’ll help determine the right loan option for you.

You will need to provide us with certain financial documents listed below in order for us to process your loan.

Loan Documents

Please gather your financial documents and upload them to SmartVault.  If you don’t have an account, please let us know.

Income

  • Tax Return (2 years, if rental income is used, self-employed, the gap in employment)
  • Pay stubs (1 recent month & within 60 days of closing)
  • W-2 (2 years)
  • Retiree: Social Security SSA-199
  • Retiree: 1099-R
  • Self-employed: Profit & loss statements (2 years)

Assets

  • Bank statement (all pages, 1 month, the same rule as a pay stub)
  • Retirement account (all pages with your full name)
  • Information on other real estates

Other Documents

  • Photo ID (driver license)
  • Property tax statement
  • Home insurance declaration page with agent contact (coverage must equal or greater than loan seek)
  • Mortgage statement showing current balance
  • A living trust (Declaration page with notary)
  • Insurance Mortgage Clause
  • Home Loan Payoff Demand
  • HELOC, Solar, other home liens subordinate agreement

Other Financial Services

Explore our tax preparation, financial advisory, and other services in addition to your mortgage to gain a holistic view of your financial picture.

Upload to SmartVault

Please upload the above documents to SmartVault.  If you don’t have an account, let us know.


Deprecated: Elementor\Scheme_Typography is deprecated since version 2.8.0! Use Elementor\Core\Schemes\Typography instead. in /home/fg9f5118d7n9/public_html/wp-includes/functions.php on line 5051