SPEC Home Loans is an independent, full service mortgage broker specializing in purchase loans, home equity lines of credit, refinancing, and creative lending solutions. SPEC Home Loans is recognized as an industry leader, with a reputation for integrity, honesty, and consistency. We have strong relationships with over fifty lenders, so we can guarantee you the best rates and service. Our lenders go above and beyond to get you the best loan possible. SPEC Home Loans has hundreds of programs available to fit any situation. We have helped first time home buyers as well as investors acquire the perfect funding solution. Call SPEC Home Loans today and find out what we can do for you!

Call today! 714.745.8947

Looking to refinance? We can lower your mortgage, with affordable payments, using one of our excellent mortgage plans. You can also consolidate your debts using your home's equity. Refinance today enjoy the benefits of our consolidation, home equity, and refinancing options.

The brokers at SPEC Home Loans take the time to listen to your needs and dreams. We work tirelessly to facilitate your goals without compromise. SPEC Home Loans is committed to treating every client as if they are our #1 priority.

More Reasons to Choose Us

No Application Fees. We don’t charge any application fees.

No Up-Front Fees. We don’t require any up-front fees.

93% Satisfaction Did you know that 93% of our clients refer their friends and family to us?

Need an Appraisal Waiver? We do appraisal waivers.

Apply now and see if you qualify!

What Happens Next?

We will contact you. Don’t worry if you miss something.

We’ll contact you to go over everything.

Pay stubs. Please locate your most recent 30 days’ pay stubs.

Bank statements. Please locate your most recent 60 days’ bank statements, all pages.

Identification. Please have a copy of your driver’s license handy.

Insurance. Please locate the declaration page for your home insurance.

Taxes Please locate your most recent tax bill(s), if possible.