Farmington, California
Home Loans for Farmington Buyers, Owners, and Investors
We're the brokerage Farmington clients call when their income is real but their pay stubs aren't.
49
Population
Based on US Census ACS 2022 5-year estimates.
Plenty of Farmington borrowers fit the textbook: clean W-2 income, two years on the same job, a tidy credit file. Plenty of others don't. We built New Avenue Realty & Loans for both. With 80+ loan programs and a 4.9 Google rating, we work the file until we find a structure that funds — conventional, FHA, bank-statement, P&L only, or non-QM. Farmington clients usually have an answer the same week they call.
With around 49 residents, Farmington is part of California's diverse housing landscape — a mix of long-time owners, new buyers, and investors building rental portfolios. We finance all three. Our job is to translate California's lending environment into a loan that actually fits your situation in Farmington, not to push the same product on every borrower regardless of what they need.
We're not the right shop for everyone in Farmington, and we'll tell you when we're not. Some files are better served by a credit union, a portfolio bank, or a different broker entirely. What we do well is structure non-traditional income, stack documentation creatively, and hold a deal together when underwriting throws a curveball. That honesty is part of why Farmington agents and past clients keep sending us referrals.
Loan programs
Mortgage options for Farmington
We match Farmington buyers and homeowners with the right program — not the other way around.
Conventional Loans
Solid credit, straightforward path.
FHA Loans
First home? Lower barrier to entry.
VOE Loans
Qualify with just your employment letter.
P&L Loans
Your profit and loss statement is your paycheck.
Non-QM Loans
Bank statements, DSCR, asset depletion — flexible approval.
No commitment. No hard credit pull.
Common questions
Farmington mortgage FAQs
Do you help first-time homebuyers in Farmington?
Yes. First-time buyers are a big part of who we work with in Farmington. We walk through pre-approval, explain how down payment and closing costs actually work in California, and lay out FHA, 3%-down conventional, and other low-down-payment options at no charge.
Can I refinance my Farmington home with New Avenue?
Yes. We handle rate-and-term, cash-out, and debt-consolidation refinances for Farmington homeowners. Whether you want to lower your payment, pull equity for renovations, or move out of FHA into conventional, we run the math. If a refi doesn't save you money, we'll say so.
Do you offer mortgage loans in Farmington?
Yes. New Avenue Realty & Loans is a licensed California mortgage broker, and Farmington is part of our service area. We finance purchases, refinances, cash-out, and investment-property loans. Call (323) 694-5476 and we can usually outline a program the same day.
What loan programs are available for Farmington homebuyers?
Farmington buyers can access 80+ programs through our lender panel: conventional from 3% down, FHA at 3.5% down, VA, jumbo, bank-statement, P&L-only, VOE, and non-QM. We match the program to your numbers rather than pushing one product at every borrower.
Can self-employed borrowers in Farmington qualify for a mortgage?
Yes. Self-employed borrowers are a specialty for us in Farmington. If tax returns understate your real income, we can often qualify you with 12 or 24 months of bank statements, a CPA-prepared P&L, or a written verification of employment instead.
Get started
Let’s talk about Farmington
Share a few details and we will call you back to discuss the best path forward. No obligation, no hard credit pull.
Ready to get started?
One call can change everything
Whether you were denied by another lender or just getting started in Farmington, we are here to help you move forward.