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1 min
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4,5 
on Google 238 Reviews
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4,5 on Google 238 Reviews
Home equity & reverse mortgages for seniors
Explore HELOC and reverse mortgage options for the home you own and the retirement you want.
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Run the numbers before you sign anything
DSCR calculator to check if rental income covers the loan.
DSCR calculator to check if rental income covers the loan.
DSCR calculator to check if rental income covers the loan.
DSCR calculator to check if rental income covers the loan.
Financing for the way you invest
Start with the property’s purpose, then explore the programs that can support it.
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DSCR rental loans
Buy or refinance a rental property with a loan that evaluates its rental income rather than relying on your personal earnings.
DSCR rental loans
Buy or refinance a rental property with a loan that evaluates its rental income rather than relying on your personal earnings.
DSCR rental loans
Buy or refinance a rental property with a loan that evaluates its rental income rather than relying on your personal earnings.
DSCR rental loans
Buy or refinance a rental property with a loan that evaluates its rental income rather than relying on your personal earnings.
DSCR rental loans
Buy or refinance a rental property with a loan that evaluates its rental income rather than relying on your personal earnings.
DSCR rental loans
Buy or refinance a rental property with a loan that evaluates its rental income rather than relying on your personal earnings.
Compare popular California mortgage paths
Use your goal first, then your income profile, property type and documentation to identify the paths worth discussing with a licensed loan officer.
| Situation or property | Situation or property | Situation or property | |
|---|---|---|---|
| Buy a primary home | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower |
| Buy a primary home | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower |
| Buy a primary home | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower |
| Buy a primary home | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower |
| Buy a primary home | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower | W-2, self-employed or 1099 borrower |
No tax-return HELOC
Best for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersNo tax-return HELOC
Best for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersNo tax-return HELOC
Best for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersNo tax-return HELOC
Best for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersBest for
Self-employed or non-traditional income borrowersNot sure which home equity option fits your situation?
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California mortgage
guides and resources
Explore practical guides for buying, refinancing, investing and using home equity in California.
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real reviews
See what our clients say about our HELOCs
Quick process & great rates
Truss Financial Group did a great job handling our refi process. Gathering documents was easy and fast, which led to a quick decision. Marcus kept us updated and if challenged he found ...
Truss Financial Group did a great job handling our refi process. Gathering documents was easy and fast, which led to a quick decision. Marcus kept us updated and if challenged he found ways to manage things. We got a great rate and are using them again for our investment property.
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Seamless refinancing process
Needed to refinance an inherited rental property out of state. We were concerned about proving income and revenue and Marshall was incredibly helpful through every stage. He made this a...
Needed to refinance an inherited rental property out of state. We were concerned about proving income and revenue and Marshall was incredibly helpful through every stage. He made this a seamless process and we were funded in 30 days. They made this a very low stress process.
Reliable investment property lender
Great service! I have several loans with Truss for my investment properties. Trust me, they will take care of you!
Great service! I have several loans with Truss for my investment properties. Trust me, they will take care of you!
Excellent service for self-employed
Excellent financial services for self employed individuals. Abrahim was great to work with.
Excellent financial services for self employed individuals. Abrahim was great to work with.
Bank statement refinance made easy
I did a refinance using bank statements. As a self employed individual, our W2 doesn't fully reflect our take in the business. The entire process was right around 30 days and was as pai...
I did a refinance using bank statements. As a self employed individual, our W2 doesn't fully reflect our take in the business. The entire process was right around 30 days and was as painless as any large transaction can be.
Fast no-doc loan for unique situation
Marshall was wonderful to work with and helped me immensely. I was able to get a no doc loan fast and easy. I had a unique situation and Marshall knew exactly how to handle my file.
Marshall was wonderful to work with and helped me immensely. I was able to get a no doc loan fast and easy. I had a unique situation and Marshall knew exactly how to handle my file.
Perfect solution for retiree financing
I am retired and do not have regular monthly income so I no longer qualify for traditional loan products. I am also tech illiterate. Delania took time to help me navigate the process in...
I am retired and do not have regular monthly income so I no longer qualify for traditional loan products. I am also tech illiterate. Delania took time to help me navigate the process in a way that best fit my needs.
HELOC closed in under 15 days
Marshall was kind, patient, polite and professional with me. We got a HELOC loan and in less than 15 days they were able to do the closing! It was a great experience!
Marshall was kind, patient, polite and professional with me. We got a HELOC loan and in less than 15 days they were able to do the closing! It was a great experience!
Best loan officer in 37 years of real estate
Marshall was absolutely THE BEST mortgage loan officer I've ever dealt with and I have been a Real Estate Broker for 37 years! He is knowledgeable, professional, and prompt in communica...
Marshall was absolutely THE BEST mortgage loan officer I've ever dealt with and I have been a Real Estate Broker for 37 years! He is knowledgeable, professional, and prompt in communication.
HELOC approved when others said no
All the other lenders turned me down but Caesar was able to get me the HELOC I needed and saved me. It was fast and is already finished.
All the other lenders turned me down but Caesar was able to get me the HELOC I needed and saved me. It was fast and is already finished.
Informative HELOC process
I worked with Reza & Delania & they were very informative regarding my HELOC and the process was easy!
I worked with Reza & Delania & they were very informative regarding my HELOC and the process was easy!
Zero conditions on approval
Working with Marshall and Betty was incredibly easy. They prequalified my loan so well that I had zero conditions on my approval, just needed insurance.
Working with Marshall and Betty was incredibly easy. They prequalified my loan so well that I had zero conditions on my approval, just needed insurance.
Quick preapproval with best options
Very professional and easy to work with. Marshall got me preapproved quickly for my purchase and was helpful in finding the best options and rates.
Very professional and easy to work with. Marshall got me preapproved quickly for my purchase and was helpful in finding the best options and rates.
Completely straightforward process
Marshall was amazing to work with - responsive, on top of all the details and super efficient. He made the whole process completely straightforward.
Marshall was amazing to work with - responsive, on top of all the details and super efficient. He made the whole process completely straightforward.
Easy first-time home purchase
Heather made my first time home purchase an exciting and easy process. I am looking forward to using her in the future and so should you!
Heather made my first time home purchase an exciting and easy process. I am looking forward to using her in the future and so should you!
I was extremely impressed by the rapid…
I was extremely impressed by the rapid response from your team. I was guided and timely informed of each step of the process. Sincerely
I was extremely impressed by the rapid response from your team. I was guided and timely informed of each step of the process. Sincerely
Delania Got Us Our Loan
Delania was able to provide the amount of money we required in a reasonable amount of time with reasonable broker fees and interest rate.
Also, they were able to h...
Delania was able to provide the amount of money we required in a reasonable amount of time with reasonable broker fees and interest rate.
Also, they were able to handle my lien and I obtained the funds with perfect timing for my purposes
The over all experience was good
The over all experience was good. Caesar would always respond in a timely manner, was patient explain anything I didn't understand. I enjoyed working with him very professional. <...
The over all experience was good. Caesar would always respond in a timely manner, was patient explain anything I didn't understand. I enjoyed working with him very professional.
The video sent from management was also helpful. It kept my posted, and explained what to expect.
Truss Financial provided Excellent Service.
Truss Financial was great to work with. They provided up to date information on my refinance and were able to close earlier than expected. I would definitely recommend Truss Financial.
Truss Financial was great to work with. They provided up to date information on my refinance and were able to close earlier than expected. I would definitely recommend Truss Financial.
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