Your Local Mortgage Lender

Located in Orange, California

Personalized Mortgage Experience

Bruce Byrwa offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.

With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.

Let us help you achieve your homeownership dreams!

The Home Loan Process

Mortgage Pre-Approval

Get pre-approved from one of our Loan Officers to see how much you can afford.

House Shopping

Work with a trusted Real Estate Agent to find a home you would like to move into.

Loan Application

Complete your home loan application to get the lending process started.

Don't take my word for it

Mortgage Programs

Experience the best mortgage experience located in Orange, California.

Home Loan Options

Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.

Conventional Home Loans.

FHA Home Loans.

USDA Home Loans.

VA Home Loans.

Frequently Asked Questions

How often can I refinance my mortgage?

There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.

Can I buy a home if I do not have money for a down payment?

Yes! There are a number of bond programs that offer low or no down payment financing options.

How do I know which mortgage is right for me?

The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.

How long will the loan process take?

The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.

Will I qualify for a home loan?

The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.

Why do people refinance their mortgages?

Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.

How much money will I have to pay upfront to buy a home?

This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.

Can I get a mortgage after bankruptcy?

You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.

Should I lock my interest rate now, or wait until we are closer to our closing?

Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

Most Recent Blog Updates

The Best Advice After 30 Years of Helping People Buy Homes Has Nothing to Do With the Market

The Best Advice After 30 Years of Helping People Buy Homes Has Nothing to Do With the Market

June 01, 20263 min read

The Best Advice After 30 Years of Helping People Buy Homes Has Nothing to Do With the Market

The Wisdom That Comes From Three Decades of Watching People Make This Decision

After thirty years of helping people find financing and navigate one of the biggest decisions of their lives Bruce Byrwa has seen a lot. He has seen buyers make great decisions and buyers make costly mistakes. He has seen transactions come together smoothly and transactions fall apart at the worst possible moments. He has seen people choose well and people choose poorly.

And after all of that the best advice he can offer has nothing to do with interest rates, down payments, or market timing.

The Most Important Question Before You Buy

Is this the right neighborhood? Is this the right home? Is this the right time?

These are the questions every buyer wrestles with and the honest answer is that no amount of market data, no number of online searches, and no level of professional expertise can answer them with certainty for any individual buyer. The variables are too personal. The future is too uncertain. The stakes are too high.

But there is a way to know. There is a source of wisdom that has been guiding people through decisions far more significant than a home purchase for longer than any market has existed.

The Advice That Has Proven True Over Thirty Years

Bruce Byrwa's advice after three decades in this business is to pray. To bring the decision to Jesus. To ask the most powerful being in the universe to guide the choice rather than relying entirely on your own judgment in a moment that feels overwhelming.

He has watched buyers go with their own direction when something in their spirit was telling them to wait or to choose differently. He has seen what happens when the transaction is carried forward on human wisdom alone and the outcome falls short of what it could have been. And he has seen what happens when buyers bring the decision to the Lord and trust that guidance even when the market conditions or the numbers create uncertainty.

The difference in those outcomes over thirty years has shaped his perspective in a way that no market analysis ever could.

You Do Not Have to Do This Alone

Buying a home is one of the most significant decisions most people will make in their lives. The financial complexity is real. The emotional weight is real. The uncertainty about the future is real. None of that disappears by making the decision in isolation with only your own judgment and the opinions of the professionals around you to guide you.

Bruce Byrwa's invitation after three decades in this business is simple. Do not do it alone. Do not do it without the most important and most powerful guide available to you. Bring the decision to Jesus. Put it in His hands. And trust that when you do that even when things are difficult along the way He will help you through it.

That is the best advice thirty years in the mortgage business has produced and it is the advice Bruce Byrwa shares with every buyer he has the privilege of serving.

Reach out to Bruce Byrwa to have a conversation about your home financing journey with someone who has been helping people through this process for three decades and who will walk alongside you every step of the way.


Sources

NAR.realtor ConsumerFinancialProtectionBureau.gov MortgageNewsDaily.com HousingWire.com Investopedia.com

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See your total mortgage payments using the tool below.

16.67
%
%
years
$/year
%
$/year
$1,685.20
Your estimated monthly payment with PMI.
PMI:
$208.33
Monthly Tax Paid:
$200.00
Monthly Home Insurance:
$83.33
PMI End Date:
Dec 2027
Total PMI Payments:
27
Monthly Payment after PMI:
$1,476.87
🏠Mortgage Details
Loan Amount:
$250,000.00
Down Payment:
$50,000.00 (16.67%)
Total Interest Paid:
$179,673.77
Total PMI to :
$5,416.67
Total Tax Paid:
$72,000.00
Total Home Insurance:
$30,000.00
Total of 360 Payments:
$537,298.77
Loan pay-off date:
Sep 2055
⚖️Monthly Vs Bi-Weekly Payment
$1,476.87
Monthly Payment
Sep 2055
Pay-off Date
$179,673.77
Total Interest Paid
$738.44
Bi-weekly Payment
Aug 2051
Pay-off Date
$151,482.12
Total Interest Paid
Total Interest Savings: $28,191.64
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Contact Us

(949) 275-3719

8502 E Chapman Ave Orange, CA 92869

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