A home loan that fits the life you are building.
NestMade is a family owned mortgage broker working across California and Colorado. We shop the lenders, explain every number, and give you a clear path forward. No pressure, ever.
Every family starts somewhere different.
Tell us where you are and we will tell you what is actually possible. Understanding your options costs nothing and does not affect your credit.
Buying your first home
Find out what you can comfortably afford, which programs you may qualify for, and what a monthly payment could look like before you start shopping.
See first-time buyer options →Moving up or refinancing
Whether you have outgrown your home or want to look at your current rate, we will show you the numbers honestly and tell you if it is not worth it.
See purchase and refi options →Building a portfolio
DSCR, non-QM, and investment property financing for investors who need to move quickly and qualify on the property rather than on tax returns.
See investor options →Four steps, and you always know where you stand.
Talk it through
We start with a conversation about your goals, timeline, and numbers. No application required.
Get pre-approved
We review your income, credit, and assets, then shop lenders to find the programs you qualify for.
Find your home
You shop with a clear budget and a pre-approval letter that agents and sellers take seriously.
Close and move in
We manage the loan through underwriting to closing and keep you updated the whole way.
From civil engineer to mortgage broker.
Benson Pang spent his early career as a civil engineer, building things that had to hold up under pressure. When he moved into mortgage lending, he brought the same mindset with him. Look at the whole structure. Check the math. Explain it plainly.
He founded NestMade in 2017 on a simple idea: families make better decisions when someone takes the time to explain the process instead of rushing them through it.
Read Benson’s storyEight licensed loan officers. You get one of them, start to finish.
Whoever picks up your first call is the person who knows your file at closing. No handoffs to a stranger halfway through.
Not sure who to ask for? Call the main line and we will match you to the right person. Read the team bios →
Straight answers, no jargon.
What does a mortgage broker do that a bank does not?
A bank can only offer you its own loan products. A mortgage broker shops multiple lenders on your behalf and brings you the options you actually qualify for. That matters most when your situation is not a perfect fit for one lender’s box, for example if you are self employed, buying an investment property, or using a down payment assistance program. As a broker, NestMade works with many lenders across California and Colorado, so the search happens on our side instead of yours.
How much do I need for a down payment in California?
Less than most buyers expect. Twenty percent is a common assumption, but it is not a requirement for most loan types. Several conventional programs allow a low down payment for qualified buyers, FHA and VA loans have their own requirements, and California offers down payment assistance programs for those who qualify. The right number depends on the loan type, the property, and your credit and income profile. We walk through the options with you before you start shopping.
What is a DSCR loan?
A DSCR loan qualifies an investment property based on the income the property generates rather than on your personal income. DSCR stands for debt service coverage ratio, which compares the property’s rental income to its loan payment. Because qualification leans on the property instead of tax returns and pay stubs, DSCR loans are often used by real estate investors who are building a portfolio or who are self employed. Terms and requirements vary by lender.
Can I get a mortgage if I am self employed?
Yes. Self employed borrowers have several paths, including conventional loans using tax returns, bank statement loans that qualify you on deposits rather than tax returns, profit and loss based programs, and 1099 income programs. These are often called non-QM loans. The right fit depends on how your income shows up on paper. This is one of the most common situations where working with a broker helps, because lenders treat self employed income very differently from one another.
“Erika made my home buying process so easy! She was very informative the whole way through and created a financial plan for us to follow. She doesn’t pressure you on anything, and is great at explaining every detail. She truly cares for her clients and helps you achieve your goals.”
“Buying a home is already a very stressful process, and the NestMade team made it seamless. They had great communication with all parties involved. If you’re looking for a lender who is great with communication and follow-up, NestMade is it!”
“Erika is the best! Purchasing a home can be a daunting and scary experience, but she made it so easy. She makes sure you understand everything before signing, and never hesitated to text or call to clarify. Truly a pleasure.”
@nestmademortgage
We work where you’re buying.
A fully remote team means we are not stuck near one office. These are the markets we are in every day, and we are licensed across all of California and Colorado.
Chino Hills & Chino
Home base. Chino, Chino Hills, Diamond Bar, Walnut, and Rowland Heights.
Chino Hills →The Inland Empire
All of it. Riverside, San Bernardino, Ontario, Rancho Cucamonga, Fontana, Corona, Eastvale.
Inland Empire →SGV & LA County
Azusa, Pasadena, Arcadia, Alhambra, Covina, West Covina, Glendora, and across LA County.
SGV & LA →Orange County
Anaheim, Irvine, Santa Ana, Fullerton, Brea, Yorba Linda, Tustin, and the rest of OC.
Orange County →Buying somewhere else in California or in Colorado? We are licensed statewide in both. Just ask →
Let’s find out what is possible.
A conversation costs nothing and there is no obligation. We will look at your situation honestly and tell you where you stand, even if the answer is to wait.
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