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2,847+ Loans Funded. $0 Out-of-Pocket Broker Fee.
Get a Lower Mortgage Rate — Without Calling 100 Banks
We shop 100+ wholesale lenders and bring you the lowest rate. You fill out one form. We do the rest. If we can't find you a better deal, we'll tell you honestly.
No credit impact. No obligation. No salespeople.
NMLS# 1484338Equal Housing Lender10+ Years Experience500+ Families Helped
0+Loans Funded
Since 2015
Since 2015
California Licensed Broker
Rate-Beat Promise:If we can't find you a better rate, we'll tell you honestly.
Video coming soon
Licensed & Affiliated
NMLS Licensed#1484338
California DRELicensed Broker
Equal Housing Lender
California MBAMember
AIMEMember
AI-Powered
Which Loan Is Right for You?
Answer a few quick questions and our AI will match you with the best loan programs for your situation — in 60 seconds.
Step 1 of 617%
What is your goal?
Tell us what you are looking to do.
Our Loan Products
Explore Your Options
From first-time homebuyers to seasoned investors, we have the right loan for you.
Conventional Mortgages
A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
From 3% down
FHA Home Loans
Government-backed loans insured by the Federal Housing Administration. Designed for first-time homebuyers and those with lower credit scores or smaller down payments.
From 3.5% down
VA Loans
Exclusive mortgage benefit for veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs with no down payment required.
From 0% down
Jumbo Mortgages
Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.
From 20% down
Mortgage Refinancing
Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.
Non-QM Loans
Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.
From 10% down
The NetCORE Difference
Your Bank Shops 1 Lender. We Shop 100+.
Most borrowers accept the first rate they're offered. Our clients don't. We compare rates from 100+ wholesale lenders — and the lender pays our fee, not you.
- One application, 100+ lenders compared — you don't lift a finger
- No out-of-pocket broker fee — the lender pays our compensation
- Pre-qualify in 2 minutes with no impact to your credit score
- Dedicated loan officer who answers the phone — not a call center
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Loans Funded
0+
Lender Partners
0★
Client Rating
0+
Loan Programs
Is This Right for You?
This Is for You If...
You want the lowest rate available — not just one bank's rate
You're buying, refinancing, or investing in California real estate
You value having someone explain your options in plain English
You'd rather have an expert shop rates FOR you than do it yourself
You want a loan officer who actually picks up the phone
This is NOT for you if...
You've already locked a rate you're thrilled with
You enjoy spending 40 hours calling banks and comparing fine print
You prefer working with a call center over a real person
If you checked the left column, we should talk.
Start The 2-Minute Rate Check — FreeNo credit pull. Results in minutes.
Your 3-Step Path to Keys in Hand
From 'Just Looking' to 'Just Closed'
Getting your best mortgage rate shouldn't be a second job. Here's how we make it effortless.
1
You Answer 5 Questions (2 Minutes)
Tell us your goal, price range, and credit range. No SSN. No credit pull. Takes less time than ordering coffee.
2
We Shop 100+ Lenders For You
While you go about your day, we compare rates from our entire lender network. You get the best option — not the only option.
3
You Get the Keys
We handle every form, call, and deadline. You show up to sign and move in. Closings as fast as 21 days.
Start Your 2-Minute Rate Check — Free
No credit impact. No obligation. Takes less time than this video.
We personally review every application — currently accepting new clients this month.
Broker Advantage
We Shop 100+ Lenders to Find Your Best Rate
As an independent mortgage broker, we're not limited to one bank's products. We compare rates and programs from top wholesale lenders to find the perfect fit for you.
UWM
Rocket Pro
NewRez Wholesale
PennyMac
Flagstar Bank
REMN Wholesale
The Loan Store
AFR Wholesale
PRMG
Equity Prime Mortgage
Newfi Wholesale
JMAC Lending
Plaza Home Mortgage
Orion Lending
Freedom Mortgage
Kind Lending
UWM
Rocket Pro
NewRez Wholesale
PennyMac
Flagstar Bank
REMN Wholesale
The Loan Store
AFR Wholesale
PRMG
Equity Prime Mortgage
Newfi Wholesale
JMAC Lending
Plaza Home Mortgage
Orion Lending
Freedom Mortgage
Kind Lending
And many more — we work with 100+ wholesale lenders across California.
The Truth About Your Bank
What Your Bank Doesn't Want You to Know
Banks offer you one rate — theirs. We show you the best rate from 100+ lenders.
Feature
Big Bank
NetCORE Lending ★
Lenders compared
1 (just themselves)
100+ wholesale lenders
Who they work for
The bank's shareholders
You (legally required)
Rate shopping
Take it or leave it
We find the lowest available
Your cost for this
Built into your rate
No out-of-pocket broker fee
Loan options
Only their products
22 programs for every situation
Speed
30-60 days
As fast as 21 days
Who picks up the phone
A call center
Your dedicated loan officer
Not sure if we can beat your current offer? Let us check — for free.If we can't find you a better rate, we'll tell you honestly. No pressure, no games.
What You Get
Everything Included — at No Cost to You
Other brokers charge fees. Banks limit your options. Here's what you get with NetCORE Lending — completely free.
Rate Comparison From 100+ Lenders
We shop the entire wholesale market — not just one bank's products.
Pre-Qualification in 2 Minutes
Know your purchase power instantly. No SSN required. No credit impact.
Dedicated Loan Officer (Not a Chatbot)
A real person who answers your calls, explains your options, and guides you to closing.
Free Mortgage Calculators & Tools
Payment estimators, affordability tools, refinance analyzer — all free, no signup.
AI Document Checklist
Personalized list of exactly which documents you need for your loan type.
No Out-of-Pocket Broker Fee
The lender pays our compensation. You get wholesale rates at zero extra cost.
No hidden fees. No obligation. The lender pays our compensation — not you.
Quick Estimate
How Much Home Can You Afford?
Get an instant estimate based on your income and debts. No credit check required.
Quick Estimate
Calculate Your Monthly Payment
20%
Results
Principal & Interest$2,128.97
Property Tax$416.67
Insurance$150
Total Monthly Payment$2,695.64
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
What Our Clients Say
Real Customer Experiences
5.0
5 reviews on Google
Before: Paying 7.5% at their bank
After: Refinanced to 6.1% — saving hundreds per month
“Bryan and Joanna are the best highly recommend!!!”
Got pre-approved in under 24 hours
TJ Lacsamana
Google
April 3, 2021
Before: Told they didn't qualify by their bank
After: Approved for $650K with bank statement program
“A+ service. Bryan is professional. Very responsive and provided great recommendation.”
Found a rate 0.625% lower than their bank
Norman L
Google
April 2, 2021
Before: Overwhelmed by the mortgage process
After: Closed in 28 days with dedicated loan officer
“Bryan was very knowledgeable with the refinancing process. He was very responsive and always kept me in the loop with what was going on with the refinance. I would definitely recommend Bryan to anyone looking to refinance their home.”
Saved $52K over the life of the loan
Jeffrey Lo
GoogleMortgage Refinancing
April 2, 2021
“Bryan was extremely helpful throughout the entire refinance process. He communicated with me daily to keep me updated on the status of my loan. We were able to close within 30 days and I got the lowest rate available. I would highly recommend Bryan and NetCORE Lending to anyone looking to refinance or purchase a home.”
Secured the lowest rate available
Henry Thai
GoogleMortgage Refinancing
July 28, 2020
Individual results vary based on credit profile, income, property, and market conditions.
Meet Your Advisor
Your Personal Loan Expert
Joann Ton
Loan Officer
I'm Joann Ton, committed to serving clients across the entirety of California, with a particular emphasis on Southern California. As a licensed mortgage originator, I uphold a reputation rooted in professionalism, integrity, and adept transaction management. My dedication lies in helping clients secure mortgages that align with their unique financial goals. With a sincere focus on client well-being, I aim to instill peace of mind throughout the home financing process. My ultimate goal is to ensure the seamless realization of your real estate dreams, always prioritizing your best interests. Beyond serving as your trusted real estate and loan advisor, I seek to build enduring relationships based on trust.
Conventional MortgagesFHA Home LoansVA LoansJumbo MortgagesMortgage RefinancingNon-QM LoansDSCR LoansConstruction LoansHard Money LoansHELOCReverse MortgagesCalHFA Down Payment AssistanceForeign National LoansRenovation Mortgage 203(k)Fixed-Rate MortgagesSBA 7(a) LoansSBA 504 LoansSBA Express LoansSBA Microloans
English, Vietnamese
Still Paying the First Rate You Were Offered?
Most borrowers leave thousands on the table because they never get a second opinion. Yours takes 2 minutes and costs nothing.
No credit impact. No obligation. If we can't help, we'll tell you.
NMLS# 1484338 | Equal Housing Lender | Individual results vary.