• NMLS # 2292201
  • DRE #02143245
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Buy, Refinance, or Expand Today

Secure your future by investing in real estate, whether its for personal or investment use. Our creative solutions allow you to purchase new property, refinance your rates, access your equity and add value to your home. A personal mortgage advisor will be assigned to assist you in your venture step by step.
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Why We Are The Best

Liv Lux Loans is a privately owned residential mortgage brokerage, which specializes in customized loan products. We believe in a luxury experience, including luxury customer service, where our clients are our priority. Today’s borrowers are unique, and we employ our expertise to provide all the tools needed to ensure smooth closings for their real estate transactions.

One Step Ahead

Mortgage products

With all of today’s options, it can be hard to know whats the best one for you. We will advise you through the process and match your situation with the best product for you.

Conventional Loans

  • Minimum FICO – 620
  • Minimum down payment- 3%
Conventional loans are loans that are not secured by a government agency. They can be conforming or non- conforming, meaning that they meet the Fannie Mae/Freddie Mac guidelines and are under certain loan amounts. This type of loan requires all the standard documentation to prove employment and income, etc.
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FHA Loans

  • Minimum FICO – 580
  • Minimum down payment- 3.5%
Conventional loans might not be the best fit for everybody. FHA (Federal Housing Administration) loans offer loan options for individuals who may not qualify for conventional loans because their qualification requirements are less stringent. These are government backed loans insured by the FHA and mortgage insurance is required on all FHA loans but rates are lower in return.
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VA

  • Minimum FICO – 550
  • Up to 100% LTV
  • No mortgage Insurance
  • Lower interest rates
  • Limited closing costs
  • Lifetime benefit that can be used multiple times
VA loans are available to anyone who has served or is currently serving our country, including surviving spouses of veterans. The VA guarantees a portion of the loan, enabling the lender to provide more favorable terms. Disabled veterans may be able to waive the VA funding fee.
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Jumbo Loans

  • Minimum loan amount - $1 above relevant conforming limits (vary by county)
Jumbo mortgages are available for all property use types (primary residences, second or vacation homes and investment properties). Jumbo loan terms vary and may include fixed rates as well adjustable rates. A jumbo loan typically has stricter underwriting guidelines but with our experience in these loans, we’re able to advise the best ways to secure them.
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NON- QM/ ALTERNATIVE DOC Loans

ALT- DOC loans are used for real estate investors, self- employed borrowers, and independent contractors. They are used to creatively qualify borrowers who don’t meet conventional or government program guidelines. This can mean using bank statement deposits to qualify, verifications of employment, 1099s and more!
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HELOC Loans

  • Minimum FICO – 660
  • Maximum CLTV- 90%
Home Equity Line of Credit loans. These are mortgages that are subordinate to the first lien mortgage if there is one. They usually have adjustable interest rates but are only paid as used. They offer the equity in the home as a credit line to the borrower. They can be used and paid back replenishing the equity and acting as a borrowers personal bank.
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Learn All About Our Team

Meet The People

Tal fitlovich

CEO
"My passion is educating people and assisting them in achieving their real estate goals. Being a mortgage advisor allows me to fuel my passion and help my community."

Karinne Miyara

Processor
"Working as a mortgage professional means I get to help people in my community in buying a home and find financial security in their lives."

Victoria Scott

Loan originator
"I became an LO because I wanted to use my natural ability with numbers and pattern recognition to assist families in securing their greatest long-term asset, their homes. Streamlining and simplifying difficult financial transactions for people is the reason why I love what I do."

Bar Abudi

Loan Officer Assistant
"I entered the business because I wanted to help people buy their dream homes. Being in the business gives me a lot of satisfaction knowing that I am helping the American economy."

Kim Phil

Operations Manager
"I was overwhelmed by the mortgage industry prior to entering it. Once I was exposed to the knowledge, I realized that if I can get others to see it the same way, I can assist individuals through their largest financial obligation and relieve the stress. I believe that anyone can be a homeowner with Liv Lux Loans!"

Danny

TBA
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What People Say About Us

Client Testimonials

“As soon as I spoke to tal, I felt confident that I would be a homeowner in the coming months. We started with a preapproval letter and she would answer all of my questions about the rapidly changing interest rates even before I put an offer on my home. I found my dream home in February 2022 and the sellers wanted a quick escrow. Tal was able to get me from a “hesitant to buy renter” to homeowner in 24 days! I cannot thank her and the team at Liv Lux Loans enough for their hard work, patience, advocacy (they did this more than once for me) and commitment. Tal and Kim were so efficient and kind throughout the whole process.”
Kathy Stern Woodland Hills
“Liv Lux Loans is by far the best company to work with. We purchased multiple properties and they gave the best service and rates. The staff is friendly, hard-working and dedicated to its clientele. They made my experience smooth and straightforward. My loan officer was communicative and responsive and on top of my file at all times. I will never have to look further and can’t wait to purchase my future home through them.”
Sheron Gershelis West Hills
“As a first time home buyer, I wasn’t sure I would even qualify let alone be able to buy a decent home in CA. Tal went above and beyond to get me approved for a sufficient loan amount and explained all of my options to me in a language I could understand. Other lenders I spoke to before reaching out to her were under the assumption that I had prior knowledge about mortgages, finance, interest rates, insurance, etc. which was not the case. More so, I found that very discouraging and prolonged me from purchasing a home sooner.”
Larry MartinReseda

Join our team

Liv Lux Loans is looking to hire passionate individuals who are looking to join a growing team of professionals. Submit your resume and we will be in touch.
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