If you are purchasing or refinancing a home in Orange County, you need a competitive mortgage company on your side to connect you with the best rates and the lowest costs.
At Grand Avenue Reality & Lending, our goal is to get you quickly and affordably into your dream home. To make that happen, we offer a wide selection of loan products as well as some special cost-saving programs just for Orange County homebuyers.FREE Mortgage Rate Quote! FREE Mortgage Rate Quote!
Grand Avenue Realty & Lending is a large organization with over 250 independent agents and loan officers. We have been honored to receive Inc. 5000’s Fastest Growing Companies in America Award 4 years in a row in 2015, 2016, 2017, and 2018.
We have also been ranked by the Orange County Business Journal 3 years running as one of the fastest growing private companies in Orange County.
At the Grand Lending Team, we strive to offer the same personal, individualized service you would encounter at a small lender. At the same time, our loan experts are trained in the latest technology and are able to streamline the lending process to boost speed and efficiency. In this way, we bring you the best of both worlds.
Nichole and Brian VerBurg have been in the real estate and home loan industry for almost 2 decades. Brian graduated from Michigan State in 2000 and his first job was for Independent Mortgage in Grand Rapids, MI. Shortly after he moved to California and started his own branch of Independent Mortgage. Nichole joined him in the industry in 2002 just before they started a branch of DirectLender.com. Prior to that Nichole was a manager for a large telecommunication company. They got married in 2003 and have worked together ever since, but now Nichole is the boss ????
Nichole and Brian have 3 main goals for every client:
To accomplish these goals, they have search long and hard, nationwide, to find the absolute best priced wholesale lenders in the industry. This changes from time to time so they constantly monitor the entire wholesale mortgage market to make sure they are with the best priced lenders. They also keep current with all the latest and greatest loan products. This allows them to offer virtually every type of home loan to their clients. Unlike a lot of mortgage brokers, Nichole and Brian are experts at everything from your normal conventional and jumbo loans, to VA, FHA, USDA, reverse mortgages, rehab loans, Native American loans, HELOCs, and much more.
Outside of work, Nichole and Brian have 2 young children, Micah and Asher, that attend St. Serra Catholic Elementary School. They also have 2 bull terriers, Ringo and Penny. Nichole is extremely involved in volunteering at Serra Catholic. Brian loves boating and wakeboarding. They are both passionate about music, love sushi, and enjoy their burgers protein style at In-N-Out. Above all else, family is their priority and they show this by being loving and patient with each other and their children.
We invite you to get in touch with us today to discuss your lending needs and formulate a plan to secure the right mortgage.
Along with conventional and jumbo loans, we offer FHA and VA loans as well as reverse mortgages. Whatever your needs and financial situation, there is a loan which is right for you. During your consultation, we can help you figure out what you qualify for and assist you in selecting the loan program which will save you money now and in the future.
We offer the lowest rates and closing costs you are going to find anywhere in Orange County. We have done our homework and have shopped around to bring you the absolute lowest costs for title and escrow. Additionally, we charge no processing fees and no junk fees. We don’t even charge you a credit pull fee which is standard with most lenders.
When you take out a home loan through Grand Avenue Realty & Lending, it is backed by our special “Lender for Life” guarantee. If interest rates decrease in the future, we will refinance for you at no cost. We will pay ALL the closing costs including the appraisal. The lowest rates can always be yours, now and over the years ahead!
Investing in real estate? Through our unique Investor Program, you can apply without worrying about providing tax returns or income verification. This keeps the process simple and streamlined so you can close quickly on an investment property. As long as the property rents for more than the total PITIA (principal, interest, tax, insurance, and HOA if any) payment, you qualify without any income verification.
Prefer not to use a W-2 or tax returns to prove your income? Through our Bank Statement program, you can provide us with personal or business bank statements as a simple and flexible alternative. We offer 1 month, 12 month, and 24 month bank statement programs.
Through our OC Buyer Program, you can receive a credit up to $10,000 to cover all your closing costs and prepaid items.
We seek to educate our borrowers on all the loan options which are available to them. We will take our time to answer any questions you might have through the lending process. Our goal is for you to be well-informed and comfortable proceeding.
We work hard to find flexible, creative solutions whenever a borrower is presented with an obstacle. Through our decades of experience, we have learned all the tricks of the trade, and are ready to use them to help you move into your Orange County home quickly and affordably.
At Grand Avenue Realty & Lending, our priority is to build long-term relationships with our customers. Our low rates and costs beat all the big banks and credit unions. If you are ready to schedule your consultation, please give us a call today at (949) 202-5332. We look forward to becoming your Lender for Life!
Grand Avenue Realty & Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.