--- title: "PierPoint Mortgage in Los Angeles, CA | $0 Broker Fee, 24-Hour Pre-Approval" description: "Los Angeles mortgage broker compares 100+ wholesale lenders. FHA from 3.5% down, jumbo to $3M+, 24-hour pre-approval. Call (323) 745-8057 for a free rate comparison." author: "PierPoint Mortgage" date: "2026-05-20" tags: ["mortgage broker Los Angeles"] canonical: "https://pierpointmortgage.com/locations/los-angeles-ca/" last_updated: "2026-06-11" --- # PierPoint Mortgage in Los Angeles, CA | $0 Broker Fee, 24-Hour Pre-Approval **By PierPoint Mortgage** | May 20, 2026 Los Angeles mortgage broker compares 100+ wholesale lenders. FHA from 3.5% down, jumbo to $3M+, 24-hour pre-approval. Call (323) 745-8057 for a free rate comparison. --- Mortgage Broker · Los Angeles, California Serving Los Angeles homebuyers from our Muskegon, Michigan headquarters — fully licensed in California, 100+ wholesale lender partners, $0 broker fees, 24-hour pre-approval. [Call (323) 745-8057](tel:+13237458057)[Apply Online — 10 Min](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y) ★★★★★ 4.9 · 152 reviews·NMLS #112844·Founded 2003 · 20+ years SERVICE AREAS ## Proudly Serving [California](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/) & the Top 15 Metros Our licensed mortgage team has helped **thousands of California homebuyers** compare rates from 100+ wholesale lenders. Click any city below to see local loan limits, rates, and FHA programs — or call [(323) 745-8057](tel:+13237458057). [📍Los Angeles](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-los-angeles-ca/)[📍San Diego](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-san-diego-ca/)[📍San Francisco](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-san-francisco-ca/)[📍San Jose](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-san-jose-ca/)[📍Sacramento](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-sacramento-ca/)[📍Fresno](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-fresno-ca/)[📍Long Beach](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-long-beach-ca/)[📍Oakland](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-oakland-ca/)[📍Riverside](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-riverside-ca/)[📍Irvine](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-irvine-ca/)[📍Anaheim](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-anaheim-ca/)[📍Santa Ana](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-santa-ana-ca/)[📍Bakersfield](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-bakersfield-ca/)[📍Stockton](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-stockton-ca/)[📍Santa Clarita](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/) ABOUT THIS LOCATION ## About Our Los Angeles, CA Mortgage Services Los Angeles has one of the most competitive housing markets in the United States — median home prices over $900,000 and aggressive bidding on first-time-buyer inventory. PierPoint Mortgage helps Los Angeles homebuyers win in this market by comparing rates across 100+ wholesale lenders, securing 24-hour pre-approvals that real estate agents trust, and structuring loans (FHA, VA, conventional, jumbo, DSCR) tailored to LA’s high-cost limits. We’re licensed by the California Department of Business Oversight (DBO) and have been originating mortgages in California since 2003. While our headquarters is in Muskegon, Michigan, our entire process is digital — application, document upload, e-signature, and closing coordination all happen remotely. Los Angeles clients don’t need to visit a physical office. LOAN OPTIONS ## Mortgage Products Available in Los Angeles, CA [Conventional Loans3% down · Up to $1,209,750 (LA County 2026 limit) · Best for credit 680+](https://pierpointmortgage.com/conventional-loans/) [FHA Loans3.5% down · Up to $1,089,300 (LA County 2026 limit) · Credit 580+](https://pierpointmortgage.com/fha-loans/) [VA Loans$0 down for veterans · No PMI · No LA County loan cap for 100% entitlement](https://pierpointmortgage.com/va-loans/) [Jumbo LoansUp to $3M+ · Best for LA luxury homes above conforming limits](https://pierpointmortgage.com/jumbo-loans/) [DSCR Investor LoansNo income verification · Based on rental cash flow · Popular in LA investor market](https://pierpointmortgage.com/dscr/) [RefinancingCash-out, rate-and-term, FHA streamline · Compare 100+ lenders in 24 hours](https://pierpointmortgage.com/mortgage-refinancing/) FREQUENTLY ASKED ## Los Angeles Mortgage Questions ### What are current mortgage rates in Los Angeles, CA? Mortgage rates in Los Angeles track national rates but vary by loan type, credit score, and down payment. PierPoint Mortgage compares quotes from 100+ wholesale lenders in real time. [Call (323) 745-8057](tel:+13237458057) for today’s rate. ### How much do I need for a down payment in Los Angeles? For a median $900,000 Los Angeles home: 3% down conventional = $27,000 · 3.5% down FHA = $31,500 · 20% down to avoid PMI = $180,000. California’s down payment assistance program adds up to 3.5% in deferred-payment down payment assistance. ### Is PierPoint Mortgage licensed in California? Yes — PierPoint Mortgage LLC (NMLS #112844) is licensed by the California Department of Business Oversight (DBO) to originate residential mortgages in California, including Los Angeles County and all surrounding service areas. ### Do I need to come to your office in person? No. Our entire process is digital — application, document upload, e-signature, and closing. Los Angeles clients work entirely with our team by phone, email, and our secure online portal. No in-person office visit required. ### How long does pre-approval take for a Los Angeles home? 24 hours for most files. Submit your documents in our portal Monday morning, get your pre-approval letter by Tuesday morning — ready for your real estate agent to use on LA listings the same week. GET STARTED ## Ready to Get Pre-Approved in Los Angeles? See your real rate from 100+ wholesale lenders. Most LA first-time buyers pay $0 in broker fees. Pre-approval in 24 hours. [(323) 745-8057 — Free Rate Comparison](tel:+13237458057) [Apply Online](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y) · [Quick Quote](https://pierpointmortgage.com/quick-quote/) NMLS #112844 · Licensed in California · [NMLS Consumer Access](https://nmlsconsumeraccess.org/) --- **Shopping a mortgage in one of our 15 states?** PierPoint Mortgage is an independent brokerage, NMLS #112844, licensed since 2003. We compare wholesale rate sheets from 100+ lenders instead of selling one bank's products, and give you a written quote before you commit to anything. - Free rate comparison: (231) 737-9911 - Apply: https://pierpointmortgage.com/apply/ - Full page: https://pierpointmortgage.com/locations/los-angeles-ca/