When you send us a buyer, your reputation goes with them. We take that seriously. This page explains how we work with real estate agents across Los Angeles and the San Fernando Valley, so you know what to expect before you make an introduction.

Pre-approvals that hold up

A pre-approval letter only helps if it's built on real information. Before we issue one, we review the buyer's credit and supporting income and asset documentation, and we talk through anything that could come up in underwriting. That way the letter in your offer reflects an actual review, not a quick estimate.

If an offer needs an updated letter for a specific price or property, let us know and we'll turn it around as quickly as we can.

Communication you don't have to chase

You shouldn't have to call around to find out where a loan stands. We keep you updated at the key milestones — application, appraisal, conditional approval, clear to close — and flag issues early so there's time to solve them before a contract deadline.

We also keep your buyer informed in plain language, so they're not calling you with mortgage questions you shouldn't have to answer.

Loan options for buyers who don't fit one box

As a broker team with Omega Realty & Lending, we can look at a range of programs, including:

  • Conventional, FHA, and VA purchase loans
  • First-time buyer programs (see our California programs guide)
  • Jumbo loans for higher-priced homes
  • Non-QM options for self-employed buyers and borrowers with non-traditional income — see Non-QM Loans, Explained
  • Investment property financing, including DSCR loans, which qualify mainly on the property's rental income rather than personal income

Program availability and eligibility depend on each buyer's full application and current guidelines.

Helping buyers before they're ready

Not every buyer is ready to make offers today. If someone needs time to work on credit, save for a down payment, or document self-employment income, we'll give them a clear plan and stay in touch — so they come back to you ready to buy.

Clients buying outside California

Alex is individually licensed in California, Texas, and Arizona. If your client is buying in a state where we're not licensed, we'll help connect them with a licensed lender rather than leave them without a next step.

Resources you can share

Our blog is written for buyers, so feel free to send these to clients who are early in the process:

Frequently asked questions

How quickly can you issue a pre-approval letter?

It depends on how quickly the buyer provides documents and how complex their file is. Once we have what we need, we work to turn it around promptly. Updated letters for specific offers are usually faster.

Do you work with self-employed buyers?

Yes. Depending on the situation, self-employed buyers may qualify with tax returns or through Non-QM programs that use other forms of income documentation, such as bank statements.

Which areas do you serve?

We're based in Woodland Hills and work with buyers throughout the San Fernando Valley and greater Los Angeles area. Alex is licensed in California, Texas, and Arizona.

How do I refer a buyer?

Use the contact form on our homepage or email info@necoechea.mortgage with your buyer's name and best contact information (with their permission), and we'll reach out.

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