Relax. We Make Lending Easy.

Get a quote to buy or refinance your home today using one of our unique and alternative loan programs.

Home Purchase

Ready to buy a home? If you’re ready to talk about the next step, you’re in the right place!

Home Refinance

Need to consolidate debt, get cash-out, or make home improvements? We can help!

Home Equity

Have a low rate but need to tap into your equity? We can help without touching your low rate!

Home Purchase

Ready to buy a home? If you’re ready to talk about the next step, you’re in the right place!

Home Refinance

Need to consolidate debt, get cash-out, or make home improvements? We can help!

Home Equity

Have a low rate but need to tap into your equity? We can help without touching your low rate!

Home Purchase

Ready to buy a home? If you’re ready to talk about the next step, you’re in the right place!

Home Refinance

Need to consolidate debt, get cash-out, or make home improvements? We can help!

Home Equity

Have a low rate but need to tap into your equity? We can help without touching your low rate.

Have a Unique Income Situation and Can’t get Qualified for Traditional Lending?

Equinox Home Financing has a menu of alternative and creative loan programs that can help homeowners get qualified. Below is our menu of programs available. See a program that fits your situation? Click on the loan to learn more.

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DSCR Rental Property Loans

Loans for real estate investors looking to buy a long-term or short-term rental….

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Bank Statement Loans

Loans for business owners who don’t have tax returns or paystubs to qualify for a mortgage…

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Conventional Loans

The most traditional loan available today. These are easy for us and we offer great terms and quick turn times…

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Foreign National Loans

Loans for Non US Citizens who want to buy real estate here in the US. No income or credit required…

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1099 Only Loans

Loans are made for those who are 1099 contractors who can’t provide tax returns with sufficient income…

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Bank Statement Home Equity Loans

For individuals looking for a cash-out loan without touching an existing loan…

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No Income Loans

Loans that do not require any type of income verification. Available for purchases and refinance’s…

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ITIN Loans

Loans for folks who are authorized to work in the US but they do not have proper citizenship…

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Jumbo Loans

Looking to finance a large loan amount? We can help. Our loans go up to $5 million…

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CPA Profit & Loss Loans

For self-employed borrowers that have fluctuating income throughout the year…

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FHA Loans

We offer home purchase and refinance programs that are offered by FHA for those with lower credit…

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VA Loans

We love our Veteran’s and offer great terms. We offer both purchase and refinance loans…

Call Today so we can help you choose the right program

1-888-505-8960

How Much is Your Home Worth?

Whether you’re curious about home values or a loan for a specific property, we make it easy to get the info on the home you own — or wish to own.

Get Home Value Now

Check out our Hundreds of 5 Star Reviews

5 out of 5 stars
Arturo Robles
5/09/2025
					I had an exceptional experience with my mortgage process from start to finish. Tony and Lauren were knowledgeable, responsive, and incredibly helpful every step of the way. They took the time to explain everything clearly, answered all my questions promptly, and made what could have been a stressful experience feel smooth and manageable. Their professionalism and attention to detail gave me great confidence throughout. I truly felt supported and valued as a client. I highly recommend them to anyone looking for a reliable, efficient, and friendly mortgage experience.
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5 out of 5 stars
Cristhian Saenz-Botero
5/04/2025
					Equinox Home Financing truly exceeded my expectations. I was in a tight spot needing last-minute help with my loan, and Archie and Janelle stepped up in a big way. They worked tirelessly, kept me informed every step of the way, and went above and beyond to make sure we closed on time. Their professionalism, dedication, and quick action made all the difference. I’m so grateful for their support and highly recommend Equinox to anyone looking for a trustworthy and responsive financing team!
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5 out of 5 stars
Katy Brown
4/30/2025
					I appreciate the time and effort that Equinox Home Financing put into getting a refinance for us! We were able to get cash out to go towards our financial goals and Archie & Briana did a great job! Would definitely recommend and will use again for any other home financing in the future!
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5 out of 5 stars
A Homes
4/25/2025
					Wonderful! My husband and I have worked with Equinox to refinance 2 of our investment properties and have had great experiences both times. Archie and Lauren make an amazing team. Professional, competent, and will go above and beyond to get your loan approved.  Highly recommend.
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5 out of 5 stars
Marjorie Parga
4/25/2025
					Archie, Randy, Christine and John are the beast(best) when it comes to financing. They have exceptional abilities and highly experienced with mortgage. They are very trustworthy and dependable.Contact them directly and look for Archie and Randy, they communicate well and secure the house that you want. A once dream becomes a reality with them. I will forever be indebted to them and I will 200% sure to refer them to people we know.
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5 out of 5 stars
Derek Steele
4/24/2025
					Tony and Lauren made my home refinance very easy and smooth from start to finish. I came to Tony and Lauren thinking that I would not be able to get a loan because I am self employed and have many write offs. They were able to get it done and made it very convenient for me. They were both very knowledgeable, great with communication, and professional throughout the processes. I highly recommend Equinox Home Financing!
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5 out of 5 stars
Resye De Vera
4/22/2025
					Archie and Randy from Equinox Home Financing were the best in helping me get my house funded. They were very competent and professional in their job. They always answered their phone whenever I had a question, and were just overall very helpful. If you are looking for someone to finance your home loan, I highly recommend them. I would definitely be teaming up with them again in the future.
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5 out of 5 stars
Megan Lake
4/11/2025
					Randy & Janelle make an awesome team! I searched for awhile until I was able to find a creative & resourceful lender who has the lending & support capabilities to help me get a loan. Randy was a champion and helped me increase my credit to help me get a good rate and go to closing. I highly recommend Randy and his team if you’re looking for a home loan. I’m in Florida - they were in California and got the job fines seamlessly and with ease. You won’t be sorry if you go with this team & company.
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5 out of 5 stars
Nathan Kallschmidt
4/07/2025
					I have done multiple mortgage through Equinox Home Financing. I worked with Tony and Janelle. They were fantastic! Iv never had someone work so hard for me the way Tony helped. We had a very complicated purchase and there were alot of hoops to jump through but Tony never gave up and was always very informative and helpful. I would recommend working with them for anyone on any type of purchase. I will be back to work with Tony and Janelle again!
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