Michael Wolff is a licensed mortgage broker serving buyers across California — from the San Fernando Valley to Los Angeles and surrounding communities. Whether you’re a first-time buyer navigating a competitive LA market, a veteran using your VA benefit, or a self-employed borrower who can’t qualify through a conventional W-2 process, there’s a program built for your situation.
Areas Served in California
- Los Angeles — including the city proper and surrounding communities
- San Fernando Valley — Encino, Sherman Oaks, Studio City, Woodland Hills, Burbank, North Hollywood, Van Nuys
- Licensed statewide throughout California
Mortgage Programs Available in California
- VA Loans — zero down, no PMI for eligible California veterans and active military
- FHA Loans — low down payment with flexible credit requirements
- Conventional Loans — from 3% down to jumbo loan amounts for high-cost CA markets
- Jumbo Loans — for California’s high-value markets where conforming limits don’t reach
- Bank Statement Loans — for self-employed CA buyers whose tax returns don’t reflect actual income
- Construction & Renovation Loans — build or renovate in California
What Makes California Different for Buyers
High Loan Limits
California’s high-cost counties have conforming loan limits well above the national baseline. In Los Angeles County, the conforming limit is significantly higher than the standard limit, which affects your down payment requirements and whether you need a jumbo loan.
Competitive Markets
The LA market moves fast. Having a fully underwritten pre-approval — not just a pre-qualification letter — puts you in a much stronger position when making offers in competitive situations.
Self-Employed Buyers
California has a high concentration of self-employed buyers, freelancers, and business owners. Traditional W-2 qualification often understates actual income for this group. Bank statement loans and alternative documentation programs exist specifically for this situation.
California Cities & Communities
- Los Angeles
- San Fernando Valley
- Encino
- Sherman Oaks
- Studio City
- Woodland Hills
- Burbank
- North Hollywood
- Van Nuys
Frequently Asked Questions
Are you licensed in California?
Yes, licensed statewide in California. NMLS #239403.
Can you do jumbo loans in California?
Yes. California’s high home prices often require loan amounts above the conforming limit. Jumbo loan programs are available for qualified buyers in high-cost CA markets.
Do you work with self-employed buyers in CA?
Yes — bank statement loans and alternative income documentation programs are available for self-employed California buyers who can’t qualify using traditional W-2 income.
Get Started in California
Book a call to talk through your situation, or apply now if you’re ready to move forward.
Also explore: Compare Loan Types · VA Loan Guide · Bank Statement Loans · All Locations
Michael Wolff · NMLS #239403 · Go Rascal, Inc. NMLS #2072896 · Licensed in CA · Equal Housing Opportunity