$250 M

in loans funded to date

99%

customer satisfaction rate

3-DAY

average loan approval period

Binesh Lending – California Purchase & Refinance Mortgage Experts

At Binesh Lending, we believe every borrower deserves personalized guidance, competitive financing options, and exceptional service. As an independent California mortgage broker, we work with a wide network of wholesale lenders to help you secure the right loan at the best available terms—whether you're buying your first home, refinancing, or expanding your real estate investment portfolio.

With over 22 years of experience, our team is committed to making the mortgage process simple, transparent, and stress-free. From application to funding, we provide expert advice and personalized solutions tailored to your financial goals.

Home Purchase Loans

Whether you're purchasing your first home, upgrading to your dream home, or investing in real estate, we offer financing programs for virtually every situation, including:

Conventional Loans

  • FHA Loans
  • VA Loans
  • Jumbo Loans
  • Non-QM Loans
  • Bridge Loans
  • First-Time Homebuyer Programs
  • 100% Financing Programs
  • Investor Loans

No matter your financial profile, we'll help you find the loan that best fits your needs.

Refinance Solutions

Lower your monthly payment, reduce your interest rate, shorten your loan term, or access your home's equity with one of our refinance options:

  • Conventional Refinance
  • FHA Streamline Refinance
  • FHA Cash-Out Refinance
  • VA Cash-Out Refinance
  • Rate & Term Refinance
  • HELOC (Home Equity Line of Credit)
  • Second Mortgages

We'll evaluate your current mortgage and help determine whether refinancing makes financial sense for you.

Specialized Mortgage Programs

Not every borrower fits traditional lending guidelines—and that's where we excel. We offer specialized financing solutions for self-employed borrowers, investors, and clients with unique income situations, including:

  • Bank Statement Loans
  • 1099 Loans
  • Self-Employed Loans
  • DSCR Investor Loans
  • Profit & Loss Statement Loans (P&L)
  • Foreign National Loans
  • Fix & Flip Loans
  • Construction Loans
  • Rehab Loans
  • Hard Money Loans

Our goal is to provide flexible lending solutions that help more Californians qualify for financing.

Why Choose Binesh Lending?

  • Over 22 years of mortgage experience
  • Access to hundreds of loan programs through multiple lenders
  • Fast pre-approvals and streamlined processing
  • Competitive interest rates and low fees
  • Personalized service from experienced mortgage professionals
  • Local California experts who put your needs first

Unlike banks that can only offer their own products, we shop your loan across multiple lending partners to find the financing option that best fits your goals.

Let's Get Started

Whether you're purchasing your first home, refinancing your current mortgage, investing in real estate, or exploring specialized loan options, Binesh Lending is here to help every step of the way.

Contact us today for a free consultation and discover how easy financing can be with a team that puts your success first.

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