Aegis Financing
Financing & Pre-Qualification
Estimate Your Monthly Payment
Use our calculator to estimate your monthly mortgage payment including principal, interest, taxes, and insurance. Adjust the values to explore different scenarios.
Loan Details
Estimated Monthly Payment
Ready for real numbers? Talk to Patty Gadd, our loan officer of choice →
Get Pre-Qualified Today
Take the first step toward your new home or investment property. Complete the form below and our team will follow up within 24 hours. Your request also goes to Patty Gadd, our loan officer of choice, so she can help with next steps.
Personal Information
All information is kept strictly confidential and shared only with our lending partner of choice.
Frequently Asked Questions
How long does mortgage pre-qualification take?
For most clients, a preliminary pre-qualification takes 24–48 hours once you've submitted the required documentation to our lending partner of choice. A full pre-approval (verified income, credit, and assets) typically takes 3–7 business days.
What credit score do I need to qualify for a mortgage in California?
Conventional loans generally require a 620+ score for approval, though 700+ unlocks the best rates. FHA programs accept 580+ (or 500+ with a higher down payment). Jumbo loans typically require 700+. Every lender has different overlays — the calculator above gives you an estimate, and our lending partner will give you exact numbers based on your credit report.
How much down payment do I need?
Conventional loans start at 3–5% down for primary residences, FHA at 3.5%. Investment properties typically require 20–25% down. Jumbo loans in California often require 10–20% down depending on loan size. Larger down payments improve your rate and eliminate PMI.
Can I use gift funds for a down payment?
Yes, most loan programs allow gift funds from immediate family members. The gift needs to be properly documented with a gift letter, and lenders typically want to see the funds seasoned in your account before closing. Talk to your loan officer for specifics on your loan type.
What are current mortgage rates?
Rates change daily and depend on your credit score, loan type, loan-to-value ratio, and market conditions. The calculator above uses a reasonable default, but for a live rate quote specific to your situation, submit the pre-qualification form or call (714) 590-9977 and we'll connect you with our lender of choice.
Does Aegis lend directly, or do you refer to a lender?
Aegis is a real estate brokerage, not a mortgage lender. We refer clients to Patty Gadd, our loan officer of choice, who has closed hundreds of transactions for Aegis buyers over many years. You're welcome to use any lender you choose — we just want you to have a great one.
What documents do I need for pre-qualification?
Typically: two most recent pay stubs, two years of W-2s or 1099s, two months of bank statements, ID, and if self-employed, two years of tax returns. Additional documentation may be needed depending on your situation. Your loan officer will provide a complete checklist tailored to the loan program you're considering.
Meet Our Loan Officer of Choice
Patty Gadd is a Mortgage Loan Originator with New American Funding and the Aegis loan officer of choice. She works alongside our team from pre-qualification through closing, so your financing and your offer stay on the same timeline. You're always welcome to use any lender you choose.