We Specialize In Financing Tough Loans

Whether you are looking for a low-down payment jumbo loan, are a self-employed borrower and cant show enough income or a first-time home buyer needing additional assistance we can help.

Highly-rated Mortgage Lender

Benjamin Bankers is ranked 5 stars on Facebook, Pro-Experience and Zillow

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Ways We Can Help

Let our experienced team of Mortgage Advisors guide you through the buying or refinancing process quickly, efficiently, and confidently.

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Jumbo Loans

We are making Jumbo loans attainable to more borrowers by offering down payment options as low as 5-10% down, while still avoiding Mortgage Insurance. Great option for borrowers who are looking for a higher-end home or are looking to preserve as much cash as possible.

Self Employed Loans | Benjamin Bankers

Self-Employed Loans

With our self-employed mortgage loan solutions, we allow you to take advantage of tax write-off and maximize profits while still accomplishing your homeownership dreams without the need of tax returns, W2’s or other traditional qualifying requirements.

Investor Loans | Benjamin Bankers

Investor Loans

Short term rental investors or just investors in general who are looking to purchase or refinance a home but cannot or do not want to provide income documentation, are able to qualify based on the rental income of the property regardless of your actual income.

Asset Based Loans | Benjamin Bankers

Asset Based Loans

Borrowers who possess substantial liquid assets and are looking to preserve as much cash as possible by not having to make substantial cash purchase, by taking a more common-sense approach we are able to qualify borrowers without the use of tax returns, W2’s or other traditional qualifying requirements.

ITIN Loans | Benjamin Bankers

ITIN Loans

For borrowers who do not have a social security number or citizenship, an Individual Taxpayer Identification Number (ITIN) mortgage loan offers undocumented immigrants an opportunity to own a home.

Get a Cash Out Refinance | Benjamin Bankers

Get a Cash-Out Refinance

Take advantage of your home’s equity with a cash-out refinance — and put your home loan to work for you.

Know Your Options & Get Pre-Approved with Our Quick & Easy Tools

Get your FREE
Pre-Approval Letter

Find out how much home you can afford by getting pre-approved for your next home loan now.

Analyze Your
Refinance Options

This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.

Compare Today’s
Mortgage Rates

Browse today’s rate comparisons to see which individual mortgage terms make the most sense for you.

Your Home Loan Could Be
Fully Funded 30 Days From Now

Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Benjamin Bankers at Lakeview, Boulder, San Jose, or Oakland CA for your home loan or refinance, you can get your money and do what you want with it – usually in less than 30 days.

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Pick the Right Home
Purchase Loan for You

Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. We’re here to help you make that choice.

strategic refinance | Benjamin Bankers
Get a Cash-Out Refinance

Make the most out of your refinance by taking advantage of our 95% LTV cash out option while still avoiding mortgage insurance. Make your homes equity work for you.

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Shop Around for the
Best Rate

As the potential homeowner, YOU hold all the power. Before signing your first loan offer, browse our rate comparisons to make sure you’re getting the best deal and the right-fit terms.

Get a mortgage quote now! Stop worrying—Go build your future!

A mortgage is as unique as your perfect home. Factors like location, your current employment status, documentation needs, and overall financial health add up to the perfect loan like getting the right location, number of bedrooms, and overall quality add up to the perfect home.