California Mortgage Broker for Homebuyers & Homeowners

FHA, VA, Conventional, Jumbo, Self-Employed & Specialty Home Loan Solutions Throughout California

GET PRE-APPROVED
https://www.teamwindes.com/apply-now/

EXPLORE LOAN OPTIONS
https://www.teamwindes.com/loan-programs/

Questions before you apply? Call or text (800) 675-0819.

SINCE 2000
Helping California Borrowers

25+ YEARS
Mortgage & Real Estate Experience

5-STAR REVIEWS
Trusted by Our Clients

CALIFORNIA
Home Financing Statewide

HOME LOANS MADE SIMPLE

Trusted California Mortgage Professionals Since 2000

Whether you're buying your first home, moving into your next home, refinancing, or investing in real estate, Team Windes | Local Lenders Group provides personalized mortgage guidance and access to a wide range of home loan options throughout California.

Our family-run team combines more than 25 years of real estate and mortgage experience with responsive, hands-on service from application through closing. We work with straightforward transactions as well as more complex financing situations, including self-employed borrowers, veterans, real estate investors and buyers purchasing higher-priced California homes.

Our goal is simple: help you understand your options, structure your financing thoughtfully and make the mortgage process as clear and efficient as possible.

MEET TEAM WINDES
https://www.teamwindes.com/about-us/

CALIFORNIA HOME LOAN PROGRAMS

Whether you're a first-time homebuyer, veteran, self-employed borrower, real estate investor or purchasing a luxury home, our team can help you explore mortgage options based on your individual financial situation and goals.

Conventional Home Loans

Flexible mortgage options for qualified buyers purchasing primary residences, second homes and investment properties.

Explore Conventional Loans →
https://www.teamwindes.com/loan-programs/

FHA Home Loans

Low-down-payment financing with flexible qualification guidelines for eligible California homebuyers.

Explore FHA Loans →
https://www.teamwindes.com/loan-programs/

VA Home Loans

Home financing benefits available to eligible veterans, active-duty service members and qualifying surviving spouses.

Explore VA Loans →
https://www.teamwindes.com/loan-programs/

Jumbo Home Loans

Financing solutions for higher-priced California homes and loan amounts above conventional conforming limits.

Explore Jumbo Loans →
https://www.teamwindes.com/loan-programs/

Self-Employed Home Loans

Traditional and alternative mortgage solutions for business owners, entrepreneurs, independent contractors and other self-employed borrowers.

Explore Self-Employed Mortgage Options →
https://www.teamwindes.com/loan-programs/

Investment & DSCR Loans

Financing options for real estate investors, including programs that may qualify borrowers primarily using a property's rental income.

Explore Investment Loan Options →
https://www.teamwindes.com/loan-programs/

VIEW ALL LOAN PROGRAMS
https://www.teamwindes.com/loan-programs/

SELF-EMPLOYED BORROWERS

Self-Employed? Your Tax Returns Don't Always Tell the Whole Story.

Business owners and self-employed borrowers can have strong financial profiles while showing taxable income that doesn't fully reflect their actual cash flow.

Team Windes works with entrepreneurs, independent contractors, 1099 earners and business owners throughout California to explore both traditional and alternative mortgage qualification options.

Depending on the borrower and loan program, financing options may include:

• Conventional financing

• Bank statement loans

• Profit-and-loss programs

• 1099 income programs

• Non-QM mortgage options

• Investment property financing

Our team can review your specific income structure and help identify which programs may be worth considering before you begin your home search.

EXPLORE SELF-EMPLOYED LOANS
https://www.teamwindes.com/loan-programs/

A DIFFERENT KIND OF MORTGAGE EXPERIENCE

Why California Borrowers Choose Team Windes

Experience That Matters

Our team brings decades of mortgage and real estate experience to every transaction, helping borrowers navigate both traditional financing and more complicated lending situations.

A Family-Run Team

Sasha, Todd and Tyler work together throughout the mortgage process. Our clients know who they are working with and have direct access to the people helping manage their financing.

Experience With Complex Financing

Self-employed income, jumbo mortgages, investment properties and specialty loan programs often require more than an automated application. We take the time to understand the entire financial picture.

VA Loan Experience

We are proud to help eligible veterans and service members understand their VA home loan benefits and financing options.

Personal Communication

Questions don't disappear into a call center. Our team is available to explain the process, discuss options and help keep your transaction moving.

A Wide Range of Mortgage Solutions

With access to Conventional, FHA, VA, Jumbo, Self-Employed, Bank Statement, DSCR, Physician and other specialty mortgage programs, we can evaluate multiple financing strategies when appropriate.

MEET SASHA, TODD & TYLER
https://www.teamwindes.com/about-us/

CLIENT EXPERIENCES

What Our Clients Say About Team Windes

★★★★★

“Sasha was amazing! We started with a different lender that ended very poorly, and Sasha not only picked up the pieces, but kept everything on track. She was always incredibly quick to respond to us, answer our questions and walk us through each step.”

— Mr. H.

★★★★★

“My husband and I were first-time homebuyers and had the pleasure of working with Sasha. She made the loan process so easy and smooth for us. She always made us feel like we were her only clients.”

— Christina C., Bakersfield, CA

★★★★★

“I would highly recommend Sasha Windes to anyone needing a loan. She was always available to answer any question I had about the process. Her service was excellent and very fast.”

— Rebecca G.

GETTING STARTED IS SIMPLE

1. Tell Us About Your Goals

Start your secure application or speak with our team about what you're looking to accomplish.

2. Review Your Loan Options

We'll review your financial information and discuss mortgage programs and financing strategies that may fit your situation.

3. Move Forward With Confidence

Once you choose a loan strategy, Team Windes will help guide the transaction through processing, underwriting and closing.

SEE HOW THE LOAN PROCESS WORKS
https://www.teamwindes.com/loan-process/

REFINANCING & HOME EQUITY

Looking to Refinance Your California Home?

Whether you're considering a lower payment, changing your loan term, consolidating debt or accessing available home equity, our team can help you evaluate your current mortgage and available options.

Refinance programs may include:

• Conventional Rate & Term Refinance

• Conventional Cash-Out Refinance

• FHA Streamline Refinance

• FHA Cash-Out Refinance

• VA IRRRL

• VA Cash-Out Refinance

• HELOC & Home Equity Options

The right strategy depends on your current loan, available equity, financial goals and market conditions. We'll help you compare the numbers before you decide whether refinancing makes sense.

EXPLORE REFINANCE OPTIONS
https://www.teamwindes.com/loan-programs/

CALIFORNIA MORTGAGE QUESTIONS

How early should I get pre-approved before buying a home?

It's generally helpful to speak with a mortgage professional before you begin seriously shopping for a home. A pre-approval can help you understand your potential purchasing range, financing options and documentation requirements before you make an offer.

Does Team Windes provide mortgages throughout California?

Yes. Team Windes | Local Lenders Group works with qualified homebuyers, homeowners and real estate investors throughout California.

Can I qualify for a mortgage if I'm self-employed?

Potentially. Self-employed borrowers may qualify using traditional income documentation or, depending on the program and circumstances, alternative documentation such as bank statements or other approved methods.

Do you offer VA home loans?

Yes. Our team works with eligible veterans, active-duty service members and qualifying surviving spouses on VA financing throughout California.

What mortgage programs do you offer?

Our available options include Conventional, FHA, VA, Jumbo, Self-Employed, Bank Statement, DSCR, investment property and other specialty mortgage programs. Program availability and qualification requirements vary.

VIEW MORE MORTGAGE FAQs
https://www.teamwindes.com/faq/

Ready to Start Your California Home Loan?

Whether you're ready to make an offer, planning a future purchase, refinancing a current home or simply want to understand your financing options, we're here to help.

Sasha, Todd & Tyler
Team Windes | Local Lenders Group

GET PRE-APPROVED
https://www.teamwindes.com/apply-now/

CALL OR TEXT (800) 675-0819

Team Windes | Local Lenders Group

Experienced mortgage guidance for California homebuyers, homeowners and real estate investors.

Serving borrowers throughout California

Bakersfield, California
Westlake Village, California

(800) 675-0819

Company NMLS #1048641
California DRE #01919683

Equal Housing Opportunity