Independent / Broker / California + Oregon
Mortgage
options
explained
clearly
before
you
apply.
RGI Mortgage works directly with California buyers and homeowners on home purchases, refinancing, and down payment options—without the call-center runaround.
Secure application · not a commitment to lend
Choose your path
What are you planning?
You do not need to know the loan name before you begin. Start with the goal. RGI will help you understand the available paths, the tradeoffs, and the next useful step.
The file · scenario studio
Known costs first. Rate last.
Build the housing stack before an offer creates a deadline. Principal and interest wait for a real file — this canvas does not quote a rate.
As a broker, RGI can evaluate options from more than one wholesale lender when appropriate, then explain the tradeoffs in plain language.
Quote decoder · optional
If you already have a rate from somewhere else, decode the payment. RGI is not quoting this rate here.
Monthly stack · not a quote
Property
Roof · housing stack
Known monthly
Housing stack
Foundation · cash to close
Down payment plus a 2–4% planning band. Credits, prepaids, and reserves can move this. Not a quote.
Instruments
Run the numbers before you choose.
Starting points only—not approvals or loan terms. 28/36 is a planning rule of thumb. Programs, residual income, and compensating factors can differ.
Planning ratios
What the income can carry.
Dark · other debts · Sky · room for housing · Tick · 28% housing mark
28% housing
36% total cap
Binding room
Payment
Monthly mortgage payment
Estimate principal and interest with taxes, insurance, HOA dues, mortgage insurance, and amortization.
Budget
Home affordability
Estimate a planning housing budget, loan amount, purchase price, and monthly payment breakdown.
Ratios
Debt-to-income
Estimate front-end housing ratio and back-end DTI using income, housing payment, and recurring debts.
Docs + timing
Start with the facts. Handle the details early.
A close is a sequence, not a surprise. Scrub the clock. Timing varies by file, property, and lender — this is a map, not a promise.
Day 12 of ~45
Property and documents
02
Service area
Los Angeles-area mortgage broker serving California and Oregon.
RGI Mortgage is a veteran-owned independent broker based in the Los Angeles area. Property location, lender access, program availability, and requirements may vary by state and scenario.
States
California + Oregon
Questions
Answered clearly.
What does a mortgage broker do?+
A mortgage broker helps you compare loan options from different lenders instead of being limited to one bank’s programs. RGI reviews your situation, explains the payment, costs, and requirements, and helps you understand which loan path may fit before you move forward.
Do I need 20% down to buy a home?+
No. Some Conventional, FHA, VA, and assistance programs may allow less than 20% down. Compare the monthly payment, mortgage insurance, cash reserves, and long-term plan—not only the minimum down payment.
Is prequalification the same as final approval?+
No. Prequalification and preapproval are early assessments based on the information reviewed. Final approval depends on complete documentation, underwriting, the property, appraisal, title, insurance, and lender and program requirements.
Does starting an application lock me into a loan?+
No. Starting an application allows RGI to review your scenario and discuss possible next steps. It is not a commitment to lend, a rate lock, or an obligation to close a loan.
Apply
Ready when the numbers make sense.
Start a secure application, or talk through the goal first. Either path is a review—not a commitment to lend.