📞 (310) 594-5362  |  ✉️ rudycoronalending@gmail.com NMLS# 999113  |  Licensed in California  |  Serving Redondo Beach 90277 & 90278 and All South Bay Zip Codes
🏡 South Bay Mortgage Specialist

Every Loan Type.
One Trusted Advisor.

From your first home to your fifth investment property — Rudy works with 50+ lenders to find the right loan for your exact situation. No matter where you are financially, there is a way.

Book a Free Consultation 📞 (310) 594-5362
✓ Free Pre-Approval
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✓ Close in 21 Days
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✓ 50+ Lending Partners
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✓ All Loan Types
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✓ NMLS# 999113
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✓ Licensed in California
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✓ South Bay Specialist
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✓ Free Pre-Approval
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✓ Close in 21 Days
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✓ 50+ Lending Partners
◆
✓ All Loan Types
◆
✓ NMLS# 999113
◆
✓ Licensed in California
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✓ South Bay Specialist
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Why It Matters

The Right Loan Changes Everything

Most people get one mortgage in their life. The wrong loan — wrong rate, wrong structure, wrong lender — costs you thousands. The right one can change your financial future entirely.

Rudy has spent over 20 years matching real people with the right loan programs. Not the easiest loan. Not the fastest approval. The right one.

Whether you're a first-time buyer, a seasoned investor, self-employed, or a senior looking to unlock your equity — there's a program built for your situation.

Talk to Rudy — Free →
20+
Years helping South Bay families
50+
Lending partners in our network
9
Loan programs available
21
Days to close on average
Loan Programs

Find the Right Loan for You

Every situation is different. Here's an honest overview of what each program does — and who it's best for.

🏠

Conventional Loans

Best rates for qualified buyers

The most versatile loan type. Conventional loans offer the lowest rates for buyers with solid credit and at least 3–20% down. No upfront mortgage insurance with 20% down — and no limits on property type.

3% min down620+ creditNo MIP at 20%
Learn more →
🔑

FHA Loans

First-time buyer friendly

Lower credit requirements, just 3.5% down. FHA loans open the door for buyers who don't qualify for conventional programs yet. Gift funds are allowed — and the path to homeownership starts here.

3.5% min down580+ creditGift funds OK
Learn more →
🏡

Jumbo Loans

South Bay luxury specialist

Financing above the conforming limit — starting at $806,500 in most California markets. Rudy closes jumbo loans up to $10M+ across Manhattan Beach, Palos Verdes, and the entire South Bay.

$806,500+Up to $10M+10–20% down
Learn more →
📈

DSCR Investment Loans

Qualify on the property, not your income

Debt Service Coverage Ratio loans let investors qualify based on the rental income the property generates — not W-2s or tax returns. Perfect for self-employed investors building a portfolio.

No income docsDSCR 1.0+20–25% down
Learn more →
🌿

Reverse Mortgages

Unlock your equity in retirement

For homeowners 62+, a reverse mortgage can eliminate your monthly mortgage payment and provide tax-free income from your home equity — while you continue living in your home.

Age 62+No monthly paymentStay in your home
Learn more →
💼

Self-Employed Loans

Qualify on real cash flow

Bank statement loans, P&L programs, and 1099 options let business owners qualify on what they actually earn — not what their tax returns show after deductions. Available at jumbo levels.

Bank statement12–24 monthsJumbo available
Learn more →
⚡

Hard Money Loans

Fast funding for time-sensitive deals

When speed matters — fix-and-flip, bridge financing, or deals conventional lenders won't touch. Hard money closes fast because it's asset-based, not credit-based. Days, not weeks.

Close in daysAsset-basedFix & flip
Learn more →
🏢

Commercial Loans

Business property financing

Retail, office, multifamily, and mixed-use properties. Commercial loans are structured differently than residential — Rudy knows the programs and lenders that make them work.

Retail & officeMultifamilyMixed-use
Learn more →
🎖️

VA Loans

Earned benefit for veterans & military

No down payment, no PMI, competitive rates — the VA loan is the most powerful benefit available to veterans and active-duty service members. You earned it. Let's use it.

0% downNo PMIVeterans only
Learn more →
The Process

From First Call to Closing Day

Simple. Transparent. No surprises. Here's what working with Rudy actually looks like.

1

Free Consultation

20 minutes. We talk through your situation, your goals, and what programs actually fit. No pitch. No pressure.

2

Pre-Approval

We pull your documents, run your numbers, and get you a solid pre-approval letter — usually within 24 hours.

3

Find Your Home

Shop with confidence. Sellers take pre-approved buyers seriously. Your agent will thank you.

4

Close in 21 Days

Clear communication, fast underwriting, and a closing day that actually happens on time. Every time.

Why Rudy

"There is a way.
Let's find it together."

Most mortgage brokers are order takers. They take your application, run it through their system, and tell you yes or no. Rudy does something different.

He starts with your situation and works backward to the right loan. Twenty years of relationships with 50+ lenders means he's seen almost every scenario — and found a path through most of them.

Book a Free Call →
🤝

Independent Broker

Not tied to one bank. Rudy shops 50+ lenders to find the best rate and terms for your situation — not whatever earns the highest commission.

📞

Direct Access to Rudy

You'll have his personal cell number. No call center, no assistant — just the person responsible for your loan, every time you call.

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South Bay Expert

Rudy has lived and worked in the South Bay for over 20 years. He knows these neighborhoods, these price points, and the agents who work here.

⚡

21-Day Closings

In a competitive market, speed wins. Rudy consistently closes in 21 days or less — and sellers and agents know it.

Ready to Find Your Loan?

A free 20-minute call is all it takes. Rudy will listen, answer your questions honestly, and give you a straight answer — no obligation, no pressure.

Book a Free Consultation → 📞 Call (310) 594-5362