Stress-Free Residential and Commercial Mortgage Lending
Securing the right mortgage is one of the most important steps in purchasing or investing in property. In Manhattan Beach, CA, and the South Bay area a competitive market means strong guidance makes all the difference. At Manhattan Beach Realty & Loan, we specialize in matching clients with loan options that work whether you’re buying a home, refinancing, or investing in commercial property. Our local roots give us unique knowledge of the community, property values, and lending landscape, making us a trusted resource for clear, reliable mortgage support.
Backed by over two decades of experience, our team helps you navigate every part of the residential and commercial mortgage process. We take pride in simplifying paperwork, explaining your options in plain language, and handling the details so you can make decisions with confidence. With us, you get expert support, neighborly service, and solutions made for the Manhattan Beach and the South Bay area market.
Ready to explore your loan options? Contact us for a consultation.
Mortgage Services Tailored to Every Client
Finding the right mortgage doesn’t have to be overwhelming. We offer a full range of residential and commercial lending services to fit your unique needs. Whether you’re buying a home or investing in property, our team will guide you through your options and help you secure the best solution for your goals.
Residential Mortgages
Buying a home is an exciting step, and the right loan is key. We work closely with individual buyers, families, and first-timers throughout Manhattan Beach, offering guidance from pre-approval to closing. Our team outlines your loan options, explains down payments, and finds flexible terms matched to your budget and needs. Whether you’re looking for a fixed-rate mortgage, adjustable-rate loan, or a jumbo mortgage fit for the Manhattan Beach market, you’ll have a clear roadmap every step of the way.
Commercial Mortgages
The local business scene is thriving, and our commercial mortgage services are designed for new and experienced investors alike. Whether you’re acquiring an office space, investing in a retail storefront, or planning a multi-family unit, we provide straightforward guidance and loan options tailored to your goals. We have strong relationships with local lenders, helping you secure the best possible terms for both small and large commercial projects.
Frequently Asked Questions About Mortgages
What types of mortgages can you help with?
We offer a wide range of loan options, including residential mortgages, commercial mortgages, refinancing, VA loans for veterans, and reverse mortgages for seniors. We’ll help you find the best fit for your specific needs.
How do I know which mortgage is right for me?
Every situation is unique. We’ll review your goals, financial situation, and the local Manhattan Beach market with you, then explain your options in plain language so you can make the best choice.
What documents will I need to apply for a mortgage?
Most loans require proof of income, tax returns, recent pay stubs, bank statements, and information about your assets and debts. We’ll provide you with a simple checklist so you know exactly what to gather.
How long does the mortgage approval process take?
On average, the approval process can take anywhere from 30 to 45 days. We keep everything moving smoothly and communicate with you every step so you’re never left in the dark.
Can you help if I’m a first-time homebuyer?
Absolutely! We’re here to guide first-time buyers through the entire process, from pre-approval to closing, with clear, straightforward support.
Do you offer mortgages for investment or commercial properties?
Yes, we provide loan solutions for both residential and commercial investments, including offices, retail space, and multi-family properties, with guidance based on the Manhattan Beach market.
Are there special mortgage options for veterans?
Yes. As a veteran-owned business, we’re proud to help fellow veterans and their families secure VA loans with favorable rates and terms.
How much can I borrow?
Loan amounts depend on your income, credit, and the value of the property. We’ll work with you to determine what you qualify for and help you set a realistic budget.
Take the first step toward your new home or investment property.