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Our Mortgage Services

Home Purchase Loans
Secure the financing you need with a team that moves quickly in a competitive market. We offer personalized solutions tailored to your goals, timeline, and budget.

Pre-Approvals
Be offer-ready with our fast, fully underwritten pre-approvals — giving you a competitive edge when timing matters most.

Refinance Solutions
Lower your interest rate, reduce monthly payments, or access the equity in your home. We’ll help you make the most of your investment.

Self-Employed Borrower Programs
We specialize in flexible, alternative loan solutions for business owners, freelancers, and independent professionals.

Why Clients Choose Black Oak

• Over 33 years of experience in California real estate and mortgage lending

• Local expertise across Los Angeles, Orange County, Ventura, San Diego, and surrounding areas

• Transparent, one-on-one service from a team that puts your needs first

• Tailored loan matching to find the right fit for your financial goals

• Fast closings and clear communication from start to finish

Serving All of Southern California

From Los Angeles to San Diego, Ventura to the Santa Ynez Valley, we understand the Southern California housing market — and the challenges homebuyers face. Our decades of experience help you make informed decisions with confidence and peace of mind.

Let’s Make Your Next Move a Smart One

At Black Oak Homes & Mortgages, we’re more than just a lender — we’re your trusted partner in homeownership. Reach out today for a no-pressure consultation and discover how we can help you take the next step with confidence. Call 310-612-0040 and ask for Cris