Realloans (Real Estate Loans)
Welcome!!! How may we help you today? We specialize in offering creative, flexible, affordable, and fast residential and commercial mortgage solutions. Please follow our So-Cal Real Estate TV channel (socalretv.com) for updates: So-Cal Real Estate TV
Please call or text Rick Tobin (Broker/Owner: 1-760-485-2422), or email to info@realloans.com, for a FREE financial and credit analysis. Apply here and we'll build the loan around your needs: Loan Application (please scroll down for our loan products)
Rick Tobin's recent articles: Surviving and Thriving in 2026, The Fall of 2025 and Rise of New Opportunities, The Intersection of Declining Home Sales and Creative Marketing, Rising Property Taxes and Insurance: A Growing Concern for Homeowners, Asset Prices Surge Amidst Dollar Devaluation Trends, Are Lower Rates on the Horizon?, The Interplay of Medical, Insurance, and Housing Financial Burdens, Why Are Home Inventory and Prices Both Increasing?, Are Stagflation Risk Concerns Valid or Not?, How to Leverage Real Estate Equity to Reduce Medical Debt, Are You Focused on Commercial Real Estate?, Boost Your Credit to Afford Home Purchases, and What's Your Blended Debt Rate?
Our Sponsored and/or Hosted Events: Shoreline Yacht Club in Long Beach - Private Meetings on Saturday, February 28, 2026 at 1 pm and 3 pm for private one-on-one gatherings with owners and/or Realtors for mortgage qualification and marketing strategy discussions. Thrive in 2026 Summit - Capitalize on a Buyer's Market on Saturday, March 28, 2026 (9 am to 5 pm) at the Four Points by Sheraton Los Angeles Westside. Rick Tobin from Realloans will be the host or emcee. Land Cruise: Canyon Lake to Shoreline Yacht Club on Saturday, June 20, 2026 (8 am to 8 pm). Please scroll down to see our loan products.
Please follow our Realloans page on Facebook, watch our So-Cal Real Estate TV channel for shows that you can see on television or on a desktop computer, laptop, or a phone, and join our So-Cal Real Estate Investors group for updates online and attend our in-person meetings and events at Canyon Lake Golf Club, Shoreline Yacht Club in Long Beach, and elsewhere.
Please follow our brand new Learn Real Estate community on the Skool platform: Learn Real Estate on Skool. For our real estate investing course, please click here: Learn Real Estate
Our Loan Solutions
* Loans and FREE Marketing Services for Listed Residential & Commercial Properties: No income verification loans up to 75% LTV and 90% CLTV with no prepays for certain property types. If your listings aren't selling and need quick cash or help qualifying your buyers, please call us today for bridge loans with no prepayment penalty options and other financial solutions.
* Distressed or pre-foreclosure bailout loans and equity money to cash you out: We specialize in the most complicated mortgage workouts and solutions and our team can quickly purchase distressed properties.
* Fix-and-Flips: No income verification, non-owner occupied fix-and-flip loans up to 90% LTV with loan closings as short as a few days.
* Home Equity Line of Credit (HELOC) as a 1st or 2nd up to 90% LTV.
* 15-year, 30-year, and 40-year fixed rates; shorter-term (3, 5, 7, or 10-year) interest-only loans also available for lower monthly payments.
* FHA to 100% LTV and up to 80% LTV for cash-out.
* Veterans and Active Military: VA loans up to 100% LTV to $4 million, no escrow impound options, and FICOs as low as 580.
* Up to 99% LTV purchase loans for conventional owner-occupied loans.
* Up to 90% CLTV (Combined Loan-to-Value) for non-owner occupied residential and commercial loans with no tax returns required.
* 89.99% LTV cash-out options with no mortgage insurance requirements to $3 million.
* 80% LTV purchase loans up to $5 million.
* Jumbo mortgages to $10 million or higher with no income verification.
* Flexible mortgage solutions (loans, grants, & rates) for First Responders, Doctors, Nurses, Teachers, and others.
* Please ask about our Builder, Realtor, Banker, Insurance Agent, Accountant, Attorney, and Financial Advisor loan services and co-marketing programs that can help grow your businesses too.
* Reverse Mortgages to $4 million (Article link: Moving Forward with Reverse Mortgages by Rick Tobin)
* Non-Owner, No Income Mortgages (Qualify from rental income at 1.0 break-even or negative DSCR)
* One-Time Close Construction Loans up to $4 million.
* Fixed Rate Owner-Occupied, Second Home, and Investment Home 2nd Mortgages - Qualify with or without income or assets.
* Asset-Based Private Money or Hedge Fund Money Solutions for residential and commercial properties that are much more affordable than hard money loans up to 75% LTV with no tax returns required.
* Loans to pay off recorded or unrecorded seller-financed mortgages.
* Business-Purpose 1st and 2nd Loans (no income or asset verification - fast closings)
* Bridge Financing Program (pull cash out of your home or rentals to purchase another property before it sells)
* Commercial Mortgages from $300,000 to $100 million (multifamily apartments, retail shopping centers, hotels and motels, industrial, office, senior housing, medical buildings, vineyards/wineries, mobile or manufactured home parks, golf courses, gas stations, car wash facilities, mixed-use, automotive body and mechanic shops, land loans, and construction deals) up to 75% LTV (and up to 90% CLTV with seller-carryback allowances or separate 2nds) with no tax returns required. To learn more details, please read Are You Focused on Commercial Real Estate? Click here for our commercial loan products: Commercial Loans
Sell us your homes and mortgages: We buy distressed homes and performing and non-performing real estate notes with quick cash and can pay fees to Realtors as the buyers.
Online and paperless or doc-less loan applications: Your online applications will be be automated and underwritten for quicker approvals as soon as within one day without any paper copies (W-2s, tax returns, bank statements, mortgage records, etc.). You can apply for a mortgage, get approved, and sign loan documents within days or weeks. Please apply online here: Loan Application
Attention Real Estate Licensees: Please contact us today if you need your purchase deal saved if your other mortgage lender can't approve it for you. Let us earn your business and go from your backup "emergency lender" to the first mortgage broker you call. We offer mortgage loan flyers and other marketing services for your listed properties and we may be able to send you new listings for your specific marketing target region from our database. For more information, please read my articles:
Will the Realtors' Commission Settlement Impact You?
Helping Realtors Find Clients and Listings in 2024
Rick Tobin has written real estate licensing courses in most states for the two largest real estate publishers in the nation and the oldest and best-known real estate school in California, so our team can help real estate licensees, financial and insurance advisors, and other third-party professionals and their clients as well.
Credit Boosting: We can provide credit boosting assistance for FREE, partly since I've written numerous articles, professional licensing courses, and college textbooks about credit topics for decades. Some past clients have seen their FICO scores increase 200+ points within a short period of time with our help.
For more details about the importance of credit scores, please watch our 1-minute animated video at the very bottom of this page.
Please challenge us with your most complicated mortgage requests first that nobody else can approve to earn your business! We can make the seemingly "impossible" situations quickly turn possible so that it's win/win for all.
Our numerous affiliate business pages on Facebook managed by Realloans include: Realloans, Inside Los Angeles, Inside Pacific Palisades, Inside Long Beach, Inside Huntington Beach, Inside Orange County, Inside La Jolla, Inside San Diego, Inside Lake Elsinore, Inside Temecula Valley, and Inside Coachella Valley.
Past Articles:
Wealth Perspectives: A Worldwide Comparative Analysis
The Drying Disaster-Relief Insurance Pools
Steps to Recover from the Pacific Palisades Firestorm
Creating Wealth and Following Your Dreams
Weather Extremes, Homes, and Insurance Risks
The California Gold Rush Boom
Wealth Creation in a Hyperinflationary America
For upwards of 100 more articles, please visit our website tab: Published Writings
All listed loan programs are subject to change.
Equal Housing Lender
Equal Housing Opportunity
Rick Tobin @ Realloans
NMLS #1883108 and #1934868
CA DRE #00964253
