California Mortgage BrokerFor Every Borrower

FHA, VA, Conventional, Non-QM, Mobile Home, HELOC and More. Whether You Are Purchasing a Home, Refinancing or Need Cash, We'll Find the Right Loan for Your Situation.

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Located in Southern California, we thrive on the success and satisfaction of our clients.

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The Mortgage Broker That Works for You — Not the Bank

Billcutter is a California-licensed mortgage broker dedicated to one thing: getting you the best loan at the best rate. Unlike a bank that can only offer its own products, we have access to dozens of lenders and hundreds of loan programs — which means we shop the market on your behalf so you don't have to.

Whether you're a first-time homebuyer in the Inland Empire, a self-employed entrepreneur in Orange County, a veteran purchasing in San Diego, or an investor building a portfolio in Los Angeles — Billcutter has a loan program designed for your situation.

We specialize in the loans that other lenders won't touch: Non-QM, bank statement, DSCR, mobile home, manufactured home, HELOC and foreign national programs. If you've been told "no" somewhere else, call us.

What We Offer

FHA Loans
Low down payment home loans for first-time buyers and those with less-than-perfect credit. As little as 3.5% down with credit scores from 580.
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VA Loans
Zero down payment mortgages for eligible veterans and active-duty military. No mortgage insurance required.
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Conventional Loans
Competitive rates for qualified buyers with strong credit profiles. Fixed and adjustable rate options available.
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Non-QM Loans
For self-employed borrowers, investors, foreign nationals, and those with unique financial situations. Bank statement, DSCR, asset depletion, no-doc, and more — no tax returns required.
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Mobile & Manufactured Home Loans
California's manufactured housing specialist. Chattel loans, FHA, conventional, and VA programs for mobile and manufactured homes — in parks and on private land.
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HELOC & Home Equity Loans
Access the equity in your California home. Flexible home equity lines of credit and lump-sum home equity loans available.
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DSCR Investment Loans
Qualify based on your rental property's income — not your personal income. Ideal for real estate investors expanding their portfolio.
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Down Payment Assistance
California offers several programs to help buyers with down payment and closing costs. Ask us about CalHFA and other current programs.
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Why Borrowers Choose Billcutter

Access to More Lenders
We work with dozens of wholesale lenders — meaning more programs, better rates, and more options than any single bank can offer.

Specialists in Complex Loans
Non-QM, mobile home, DSCR, foreign national — we close loans that other lenders turn away.

Lowest Rates and Costs
We're committed to finding you the most competitive rate available. No hidden fees, no surprises.

Fast Closings
We know how to move quickly. In competitive California markets, speed matters.

California Expertise
We understand California real estate — the markets, the regulations, and the unique financing needs of California borrowers.

Ready to Get Started?

Whether you're buying your first home, refinancing to lower your payment, getting cash by tapping into your homes equity or investing in real estate — Billcutter is ready to help.

Get a free, no-obligation rate quote today. No credit check required.

Speak to a Loan Officer by calling (888) 855-1423 or Apply Online!

California Mortgage BrokerFor Every Borrower

Get to know us

Calculators

Apply Now

More Mortgage Options at Lower RatesGet Pre-Approved in Only 5-Minutes

More Mortgage Options at Lower Rates
Get Pre-Approved in Only 5-Minutes