Shoshone, California
Home Loans for Shoshone Buyers, Owners, and Investors
We're the brokerage Shoshone clients call when their income is real but their pay stubs aren't.
18
Population
Based on US Census ACS 2022 5-year estimates.
Plenty of Shoshone 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. Shoshone clients usually have an answer the same week they call.
With around 18 residents, Shoshone 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 Shoshone, not to push the same product on every borrower regardless of what they need.
If you've been quoted a mortgage before, you know lenders sound the same until the file actually goes to underwriting. That's where the difference shows up. Shoshone clients call us because we've structured non-QM, P&L, and bank-statement loans hundreds of times — not as exceptions but as core products. Combined with conventional and FHA, our shelf covers nearly every borrower scenario in Shoshone, and our team is paid to close, not to sell you the wrong product.
Loan programs
Mortgage options for Shoshone
We match Shoshone 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
Shoshone mortgage FAQs
What credit score do I need for a mortgage in Shoshone?
It varies by program. FHA loans for Shoshone buyers can work with lower scores, conventional usually prefers mid-600s and up, and our non-QM programs reach further down in exchange for different terms. We pull credit once and match the score to the strongest available program.
Do you help first-time homebuyers in Shoshone?
Yes. First-time buyers are a big part of who we work with in Shoshone. 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 Shoshone home with New Avenue?
Yes. We handle rate-and-term, cash-out, and debt-consolidation refinances for Shoshone 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 Shoshone?
Yes. New Avenue Realty & Loans is a licensed California mortgage broker, and Shoshone 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 Shoshone homebuyers?
Shoshone 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.
Get started
Let’s talk about Shoshone
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 Shoshone, we are here to help you move forward.