Home Loans Made Simple And Personal
Clear options, proactive updates, and great pricing from pre approval to keys. We lend statewide in California.
Estimate Your Monthly Payment
Real-time calculator for purchase or refinance scenarios — LTV, DTI, PMI estimation, and a full amortization schedule. All inputs stay in your browser.
Monthly Payment Calculator
PMI estimate uses conventional loan approximations based on LTV, adjusted for DTI (base rate up to 45% DTI, +20% for 45.01–49.9%, +30% above 50%). Actual PMI depends on credit score, loan program (FHA MIP differs), and lender. Choose "Manual" to enter your own quoted amount.
| Month | Payment | Principal | Interest | Balance |
|---|
Schedule reflects Principal & Interest only. Taxes, insurance, HOA, and PMI are not shown per row (they don't reduce your loan balance). Change any input above to regenerate.
Loan Programs
Options for first time buyers, move up buyers, investors, and self employed borrowers.
Conventional
Conforming and high balance with flexible terms and competitive pricing.
FHA & VA
Low down payment and government backed benefits for qualified borrowers.
Jumbo
High loan amount solutions for luxury and high cost areas.
Non QM / Stated
Bank statement, DSCR, and alt doc programs for unique income.
Hard Money
Asset based financing for speed and flexibility on special scenarios.
Refinance
Lower payment, consolidate debt, or tap equity with a tailored refinance strategy.
How It Works
A clear four-step path from application to keys.
Get Pre-Approved
Submit your application and documents. Pre-approval typically issued within 24–48 hours.
Shop with Confidence
Your pre-approval letter tells sellers you're a serious, qualified California buyer.
Full Underwriting
Once you're in contract, we manage the file end-to-end with proactive updates.
Close & Move In
Sign at escrow, get your keys, and start your next chapter.
Aren Dergrigorian, MLO
NMLS #582110 · CA DRE #01991186 · B.S. Finance, MBA
Founder of Aspire Mortgage with 11+ years originating California residential loans across Los Angeles County. I work with first-time buyers, self-employed borrowers, and investors — every file gets clear communication, proactive updates, and honest answers on programs and pricing.
Learn more about ArenLatest Insights
Mortgage guidance from Aren, updated weekly.
Bank Statement Loans in California: How Self-Employed Borrowers Actually Qualify
Aug 13, 2026
Local LA & Glendale2026 Conforming Loan Limit in LA County: What $1,249,125 Actually Means
Aug 3, 2026
ProgramsConventional vs. FHA Loans: Which One Wins in California in 2026?
Jul 15, 2026
First-Time BuyersHow Much Down Payment Do You Really Need in Los Angeles County?
Jul 9, 2026
Client Reviews
Recent feedback from happy clients.