California Home Loans & Mortgage Broker

TEAM WINDES | LOCAL LENDERS GROUP

Your home loan. A team you can reach.

Buying your first home, moving up, refinancing or investing? Sasha, Todd and Tyler help you understand your options and keep you informed from application to closing.

We serve borrowers throughout California, with financing for single-family homes and properties with up to four units, subject to program requirements.

Meet Team Windes | Talk with our team

California mortgage programs for different goals

From your first home to your next investment, we specialize in helping you compare the programs that fit your situation.

VA loans

Guidance for eligible veterans, service members and surviving spouses.

FHA loans

Explore FHA purchase and refinance options and mortgage insurance considerations.

DSCR loans

Financing for eligible residential investment properties using a rental-income-based approach.

Physician loans

Explore specialized home financing for eligible medical professionals.

Conventional & jumbo

Compare financing for primary homes, second homes and eligible investment properties.

First-time buyers & USDA

Build a homebuying plan and ask about USDA and other eligible loan options.

Self-employed options

Review tax-return, bank-statement and profit-and-loss documentation paths.

Refinance & home equity

Discuss refinancing, HELOCs and other ways to evaluate your mortgage and equity.

View all loan programs · Ask about manufactured homes, construction, private money and other specialty financing. Program availability and eligibility vary by lender.

Find a starting point for your financing

Buying a home

Explore conventional, FHA, VA and jumbo financing, including options for first-time homebuyers. We can help you review your budget and prepare for the next step.

Explore home purchase options →

Self-employed borrowers

Your tax returns may not tell the whole story. Our team can explore conventional, bank statement and profit-and-loss loan options based on your business and documentation.

Explore self-employed loan options →

Investors & specialty needs

Ask about DSCR investment property financing, construction loans and physician loans. We will help you explore the programs that may fit your plans.

Explore loan programs →

Refinancing or considering a HELOC?

Compare your current mortgage with potential refinance or home equity options. We will help you consider the payment, closing costs, loan term and your plans for the property before you decide.

Explore refinancing | Ask about a HELOC

Clear steps. Personal communication.

1. Share your goals

Speak with our team or start your secure application. Tell us what you want to accomplish and when you hope to move forward.

2. Understand your options

We review your scenario, explain documentation needs and discuss available programs. Qualification and terms depend on lender review.

3. Stay informed

Get guidance through processing, underwriting and closing, with a team available to answer questions along the way.

FOR REAL ESTATE PROFESSIONALS

A mortgage team your clients can talk to

Bring us your buyer's financing scenario early. We can discuss loan options, documentation and next steps, and coordinate transaction updates with the client's authorization. From first-time buyers to self-employed borrowers and investors, we welcome the opportunity to work with you.

Connect with Team Windes → | Call (800) 675-0819

Common questions before you begin

Should I talk with a lender before shopping?

Starting early can help you understand your potential price range and documentation needs. Any pre-approval is subject to its stated conditions and is not a guarantee of final loan approval.

Can I qualify if I am self-employed?

Possibly. Depending on the program, income may be evaluated using tax returns, bank statements or other permitted documentation. Our team can review your situation and explain what is needed.

Which loan programs are available?

We offer conventional, FHA, VA, jumbo, construction, HELOC, physician, DSCR, bank statement and profit-and-loss loan options. Availability, eligible property types and qualification requirements vary by program and lender.

Start with a conversation or an application

Ready now or planning ahead, we are here to help you take the next step.

Start Your Application Talk to Our Team

(800) 675-0819

All loans are subject to credit, property and underwriting approval. Program availability and terms may change. Team Windes operates as a division of TYKY. Company NMLS #1048641 | California DRE #01919683. Equal Housing Opportunity.

Stay Informed with Team Windes

Get mortgage news, loan options, and practical tips for buyers and homeowners.

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"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, to answer our questions and walk us through each step. We are SO grateful for our home and all the hard work she did to get us here."

— Mr. H. ()

"My husband and I were first time home buyers 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 by her quick responses to all of our emails, texts and phone calls. We even closed escrow in less time then expected! We will definitely be recommending Sasha to friends and family!"

— Christinan Campas. (Bakersfield, CA)

"I would highly recommend Sasha Windes to anyone needing a loan. She got me a great mortgage and was always available to answer any question I had about the process. Her service was excellent and very fast. Thanks to her extra efforts, I was even able to close early on my house!"

— Rebecca G.. ()

"I had a great experience with my loan. Sasha was awesome. She walked me thru everything. She would contact me when docs were ready. Couldn't be more happier with her regarding this process."

— G Mejia. ()

California home loans.
Personal guidance at every step.

Ready to Get Started?

Loan options for your next move

California

5 Star Reviews

Clear Communication

Your home loan. A team you can reach.

California mortgage programs for different goals

VA loans

FHA loans

DSCR loans

Physician loans

Conventional & jumbo

First-time buyers & USDA

Self-employed options

Refinance & home equity

Find a starting point for your financing

Buying a home

Self-employed borrowers

Investors & specialty needs

Refinancing or considering a HELOC?

Clear steps. Personal communication.

1. Share your goals

2. Understand your options

3. Stay informed

A mortgage team your clients can talk to

Common questions before you begin

Should I talk with a lender before shopping?

Can I qualify if I am self-employed?

Which loan programs are available?

Start with a conversation or an application

Stay Informed with Team Windes

What our clients say

Personal guidance. Real experiences.

Team Windes | Local Lenders Group

Contact Team Windes

Disclaimers

Resources

More from our mortgage team

California home loans.Personal guidance at every step.

Ready to Get Started?

Loan options for your next move

California

5 Star Reviews

Clear Communication

Your home loan. A team you can reach.

California mortgage programs for different goals

Find a starting point for your financing

Buying a home

Self-employed borrowers

Investors & specialty needs

Refinancing or considering a HELOC?

Clear steps. Personal communication.

1. Share your goals

2. Understand your options

3. Stay informed

A mortgage team your clients can talk to

Common questions before you begin

Should I talk with a lender before shopping?

Can I qualify if I am self-employed?

Which loan programs are available?

Start with a conversation or an application

Stay Informed with Team Windes

What our clients say

Personal guidance. Real experiences.

Team Windes | Local Lenders Group

Contact Team Windes

Disclaimers

Resources

More from our mortgage team

California home loans.
Personal guidance at every step.