5280 E 2nd Street, Long Beach, CA 90803 | NMLS# 1951319
Phone: (562) 850-9971
Are you searching for a home loan in or around Long Beach or the best Long Beach mortgage lender to help you secure your dream home? Whether you’re a first-time homebuyer or looking to refinance, BluPrint Home Loans’ Long Beach Team is here to guide you through the mortgage process. With years of experience in the industry, we are committed to helping you find the best financing options that fit your needs.
Finding the right Long Beach mortgage lender can feel overwhelming, but our team is dedicated to making the process smooth and stress-free. Here’s what sets us apart:
When looking for home loans near you, it’s important to understand the different mortgage options available. BluPrint Home Loans – Long Beach Team offers a variety of financing solutions to meet your needs. Here are just a few of our loan options:
A conventional loan is ideal for buyers with strong credit and stable income. These loans typically require a down payment of 3% to 20%, depending on eligibility.
First-time homebuyers often choose FHA loans because they allow for lower down payments (as low as 3.5%) and more flexible credit score requirements.
For veterans and active military members, VA loans provide incredible benefits, including zero down payment and no private mortgage insurance (PMI).
If you’re purchasing a luxury home in Long Beach, a jumbo loan can help you finance properties that exceed conventional loan limits.
Are you self-employed or a real estate investor? We offer loans with more flexible qualification opportunities, including options for borrowers with non-traditional income.
Already a homeowner? We can help you refinance your mortgage to potentially lower your interest rate, reduce your monthly payments, or get cash out from your home equity.
If you’re ready to buy a home in Long Beach or somewhere nearby, it’s essential to know the qualification requirements for a mortgage. Here are a few key factors lenders consider:
Your credit score plays a crucial role in determining your mortgage interest rate. While many Long Beach home loans require a minimum credit score of 620, some government-backed loans, like FHA, may allow lower scores.
Your down payment amount depends on the type of loan you choose. Conventional loans may require 5% to 20% down, while FHA loans allow for as little as 3.5%. We also offer many loan options with zero down payment required.
Lenders look at your debt-to-income ratio (DTI) to determine how much you can afford. A lower DTI increases your chances of approval and securing a lower interest rate.
Lenders require proof of steady income and employment to ensure you can make monthly mortgage payments.
If you’re searching for “home loans near me,” you might be ready to get started. Understanding the mortgage process can help you feel confident in your home-buying journey. Here’s a step-by-step look at what to expect:
Before you start house hunting, getting pre-approved gives you a clear idea of your financial capacity and shows sellers that you’re a serious buyer.
Once pre-approved, you can search for homes that fit your budget and needs.
When you find the right home, we’ll help you submit your mortgage application and gather the necessary documents, such as tax returns, pay stubs, and bank statements.
Our team will review your application and financial documents to ensure everything meets lending requirements.
Once approved, you’ll sign the the final paperwork, and the home is yours!
Long Beach is one of the most desirable places to live in Southern California, offering beautiful beaches, vibrant neighborhoods, and a thriving job market. Here’s why so many people are choosing to settle down in Long Beach:
Diverse Neighborhoods: From the charming streets of Belmont Shore to the trendy downtown area, Long Beach has a home for everyone.
Great Schools: The Long Beach Unified School District is known for its excellent educational programs.
Outdoor Activities: Whether you love the beach, biking trails, or parks, Long Beach offers endless opportunities for outdoor fun.
Strong Real Estate Market: Property values in Long Beach continue to rise, making it a great investment.
We love where we live and do business, and what better way to show that love than to give back.
Every BluPrint branch supports a local cause that’s near and dear to them – working with established organizations to better the community. Our Long Beach branch has partnered with the Precious Lamb Preschool for homeless children, who provides high quality, full day education and care to families experiencing homelessness. We volunteer our time, help promote their cause, and donate a portion of every closed loan transaction so that we’re continuously investing in the community.
Most conventional loans require a minimum credit score of 620. However, government-backed loans like FHA loans allow lower scores (typically 580 or higher). If you have a lower credit score, our team can help you explore financing options.
Phone: (562) 850-9971
Location: 5280 E 2nd Street, Long Beach, CA 90803
Branch NMLS# 1951319
Branch ID: CA562
Branch Manager: Hans Stone
If you’re looking for a Long Beach mortgage lender who puts your needs first, BluPrint Home Loans – Long Beach Team is here to help. Our experienced loan officers are ready to guide you through home-buying with personalized mortgage solutions and competitive rates.
This is for informational purposes only. All information contained herein is subject to change at any time and there is no representation to the accuracy contained herein. Consumer experience statements are general and not based on independent verification. This is not intended to be legal advice. Please consult an attorney. Qualifying credit score needed for conventional loans. Interest rates are subject to change daily and without notice. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Sales price cannot exceed appraised value. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal. Equal Housing Lender. MLO State Licensing Information: CA-DBO259158. NFM Lending is not affiliated with any real estate companies. You are entitled to shop around for the best lender/real estate company for you. A pre-approval is a preliminary verification of your credit and assets and not a guarantee that you will be approved for a mortgage loan. The loan application approval will only be given when the property appraisal, title search, and other verifications are complete. Additional financial documentation may be necessary. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. BluPrint Home Loans is a Division of NFM Lending LLC dba NFM Lending. (www.bluprinthomeloans.com and www.nfmlending.com) NFM NMLS #2893. For NFM, Inc’s full agency and state licensing information, please visit www.nfmlending.com/licensing. AA/EOE/M/F/D/V. © 2025. America’s Common Sense Lender® Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
BluPrint Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS 2893. NFM is an Equal Housing Lender. Some products and services may not be available in all states.
607 N. Vulcan Ave, Unit 6, Encinitas, CA 92024
hello@bluprinthomeloans.com
(619) 567-3330
