OLEANDER

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    Apply NowSchedule a Call
    NMLS #2373419+ Years ExperienceLicensed Nationwide
    210+
    Loans Closed
    9+
    Years in Business
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Debbie Lovett

    Branch Manager

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    Abigail Harsen

    Loan Officer

    David Ross

    Loan Officer

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    Gustavo Berdeja

    Loan Officer

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    Susan Ford

    Loan Officer

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    Thomas Anderson

    Loan Officer

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    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
    →
    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 36 families & counting

    ★★★★★4.936 verified reviews
    "
    To say Dave and his team went above and beyond is an understatment. We had an almost impossible situation and they made it possible. Forever grateful
    Amber L.
    Rancho Cucamonga, CA · via David Nicholas Ross
    September 2026
    "
    Debbie was the best of all in processing the reverse mortgage transaction. She s very accurate and very pleasant to talk to in completingthe transaction. Before we decided to go into reverse mortgage, we already consulted a lot of associates in doing this transaction, we finally decided to go forward because of her expertise in reverse mortgage. And we felt that we are very important to her, everytime we call her, she responds right away and give us the right answer, I will always recommend her anybody interested in doing the reverse mortgage. VERY VERY PLEASANT TO TALK TO,
    Norma A B.
    Ontario, CA · via Deborah Jo Lovett
    July 2025
    "
    Gustavo was a very easy person to communicate with and any ques or concerns we had he always had an answer for us .
    Selenne A.
    Le Grand, CA · via Gustavo Berdeja
    December 2025
    “
    Thomas did an amazing job of communicating throughout the loan process and met all of my expectations. I will definitely be referring him to friends and family.
    Rebecca Ann A.
    Birmingham, AL · via Thomas Anderson
    May 2026
    “
    Dave went above and beyon. our loan had some changes being self employed but, with Dave's extensive experience he was able to work through any change or hurdles that came our way. It was a pleasure working with Dave and his team. we will highly recommend dave Dave to anyone in the market
    Christopher Lee L.
    Rancho Cucamonga, CA · via David Nicholas Ross
    September 2026
    “
    Everything was nice and smooth and easy. She kept me updated at all times.
    Barry R.
    Yorba Linda, CA · via Deborah Jo Lovett
    July 2021
    “
    it was a easy and straightforward experiencece, gustavo was good with communication and helped out with answering all my questions.
    Joaquin A.
    Riverside, CA · via Gustavo Berdeja
    August 2025
    “
    As a first-time homebuyer, I couldn’t have asked for a better experience. The entire process was smooth and far less stressful than I expected. I really appreciated the clear communication every step of the way. The team was always quick to respond and made sure I stayed informed throughout the entire process. Their professionalism and genuine care made a huge difference, and it truly felt like they had my best interests in mind from start to finish. Blessed to have worked with this team.
    Maria Elena C.
    San Bernardino, CA · via David Nicholas Ross
    March 2026
    “
    I’ve known Debbie for a long time. She is honest, sincere, and trustworthy.
    Mary .
    via Deborah Jo Lovett
    July 2018
    “
    Gustavo Bergeja was very helpful with the whole process of buying my new house.
    Diana C.
    Fontana, CA · via Gustavo Berdeja
    June 2025
    “
    Dave and Jaime were so great to work with! They kept us updated through wvery step of the process . They were both easy to communicate with and available when needed!
    Jami C.
    San Bernardino, CA · via David Nicholas Ross
    March 2025
    “
    Very cordial and helpful throughout the hole process. Thank you Gustavo.
    Victor B.
    Fontana, CA · via Gustavo Berdeja
    April 2025
    “
    David was very professional and accommodating. I had a quick escrow and he was able to come through for me and I really appreciate it.
    Geraldine A G.
    Palm Desert, CA · via David Nicholas Ross
    March 2023
    “
    Any questions we had he would know how to tell us to do and explain.
    Maricruz H.
    San Bernardino, CA · via Gustavo Berdeja
    March 2025
    “
    David and Bunny were pleasant and helpful throughout the experience. Made a difficult process bearable.
    Sara Chilton C.
    Moreno Valley, CA · via David Nicholas Ross
    March 2022
    “
    VERY GOOD ATTENTION AND QUICK RESPONSE FROM HIM
    Marco Fabian A.
    Winchester, CA · via Gustavo Berdeja
    June 2024
    Real Estate Partners

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    Our Branch

    Oleander

    American Financial Network · NMLS #237341

    Address
    10 Pointe Drive, Suite 330
    Brea, CA 92821
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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