Residential Loans
Tailored home financing for first-time buyers, move-up families and luxury estates across California.
Learn MoreMortgage Division
Loans built around
your strategy.
From a first home in the Valley to a 200-unit multifamily portfolio — M1 has structured the financing behind some of California's most considered real estate decisions for nearly three decades.
Our Services
Financing crafted around
how you actually buy.
Six carefully built loan programs. One discreet team handling every detail from pre-approval to close.
Commercial Loans
Sophisticated capital structures for office, retail, multi-family and mixed-use properties.
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Construction Loans
Ground-up and renovation financing engineered to keep your project on schedule and on budget.
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Refinance Solutions
Lower payments, unlock equity, or restructure debt with strategic refinance packages.
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Investment Property
DSCR, portfolio and bridge programs designed for serious investors building long-term wealth.
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Jumbo Loans
High-balance financing for trophy estates and luxury properties beyond conforming limits.
Learn MoreWhy M1
A different kind of
mortgage experience.
30+ Years Experience
Three decades guiding California buyers and investors.
Fast Closings
Streamlined underwriting and dedicated processing.
Personalized Service
Boutique attention from intake through final signing.
Competitive Rates
Access to a deep network of lenders and programs.
Investor Friendly
DSCR, portfolio and bridge expertise on call.
Transparent Process
Clear fees, real timelines, honest conversations.
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Years in Business
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Loans Funded
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Client Satisfaction
Mortgage Calculator
Estimate your
monthly payment.
A quick snapshot — for exact numbers tailored to your scenario, get pre-qualified in three minutes.
Estimated Monthly P&I
$6,321
$1,250,000
20%
6.50%
30 years
Loan Amount
$1,000,000
Down Payment
$250,000
Ready When You Are
Your next home
deserves a better mortgage.
Start your application in under three minutes. No obligation, no credit pull, no pressure — just a clear path to the right loan.
Bank-Level Security Soft Credit Check 3-Minute Application