Home loans made easy
Fast | Simple | Online
Danny Ponder HOME LOANS MADE EASY
Communication from day one of our 1st consultation, you will find me available to add value to the biggest investment of your life and your financial goals. Whether purchasing or refinancing, first-time home buyer, or a seasoned investor, I have the experience, lending sources, and programs to match your specific needs. I joined Pacific West Lending LLC in the Spring of 2019 after enduring a 2nd bank merger in the span of 3 years.
Loan programs include Conventional, FHA, VA, Jumbo, Construction, Developer Financing, Commercial, SBA, Multi-Family including FNMA, Bank Statement Loans (Self-Employed), Debt Service (DSCR), Fix-n-Flip, Cannabis lending for employees and owners, and Private Money access.
STEP 1: GET STARTED TODAY
STEP 2: CONTACT ME
M: 916.947.4587BLOG
Mortgage Rates & The Federal Reserve
Michael Aldridge+Mortgage Rates & The Federal Reserve Always a good reminder... THE FED DOES NOT DIRECTLY RAISE/LOWER MORTGAGE RATES! There's a common misconception that the Fed "sets" (or hikes/cuts) mortgage rates directly. Even among people who know better, there is often a...
Unlimited Residual Income for Loan Originators
Michael Aldridge+Unlimited Residual Income for Loan Originators Earn Unlimited Residual Income ! Our Licensed Loan Originators earn Unlimited Residual Income! Join our team and receive a BONUS on every transaction your Loan Originator Referrals close at Pacific West Lending. Bring...
Vacation Homes and Home Equity Loans
Michael Aldridge+Vacation Homes and Home Equity Loans The Best Home Equity Lines of Credit for your 2nd or Vacation Home The best Home Equity Line of Credit, You deserve it! Whether consolidating bills, remodeling your home or sending a child off to college. Stir in a little bit of...
Best Home Equity Lines of Credit
Michael Aldridge+The Best Home Equity Lines of Credit The best Home Equity Line of Credit, You deserve it! Whether consolidating bills, remodeling your home or sending a child off to college. Stir in a little bit of imagination with your home’s equity, and you’ll discover amazing...
Work From Anywhere Lending Re-Imagined
Michael Aldridge+Say goodbye to office commutes and hello to instant “face-to-face” communication. In CBL World, everyone can collaborate and interact no matter where they might be located.
Meet the founders
Michael Aldridge+Chris Bang Over $1 Billion in closed loan production Chris has an extensive lending background with 24 years of valuable experience in all facets of mortgage lending and servicing. He has held multiple management roles in corporate financial...
| Loan to Value | > 20 years | ≤ 20 years | > 20 years | ≥ 20 years | MI Coveraged Required |
|---|---|---|---|---|---|
| 97% to 95.01% | 35% | 35% | 25% | 25% | 18% |
| 95 to 90.01% | 30% | 25% | 25% | 25% | 18% |
| 90 to 85.01% | 25% | 12% | 25% | 12% | 12% |
| 85% & below | 12% | 6% | 12% | 6% | 6% |
Home loans made easy
Fast | Simple | Online
Click here for the States we are licensed in. Licenses consumer access.
Company NMLS 1740273 | AZ Mortgage Banker license BK-094296 | CA Mortgage Banker license 60DBO86197