Brett Hickman
Mortgage Loan Officer · NMLS #24322480
What's your story?
Clearing the path to your California home.
No runaround, no jargon — just frictionless underwriting, straight answers, and a close that actually closes. Tell me your goal and I'll show you what's possible in about a minute.
- Statewide California purchase financing
- Fast, painless pre-approvals
- Real numbers up front — no surprises at the table
What clients say.
Mortgage questions, answered.
Can I use gift funds for my down payment?
Yes. On a primary residence, a gift from a family member can fund your entire down payment. You'll need a signed gift letter and a record of the transfer — we make that part painless.
What's the minimum down payment in California?
As little as 3% down on conventional financing for qualified buyers (and 0% on some VA/USDA scenarios). Less than 20% down adds mortgage insurance, which we'll factor into your estimate.
Do you offer bank-statement (Non-QM) loans?
Yes — for self-employed buyers we offer Non-QM bank-statement programs that qualify you on deposits rather than tax returns. Great when your write-offs understate your real income.
How fast can I get pre-approved?
Often same day once we have your basics. A full pre-approval makes your offer far stronger than a generic pre-qual.
What credit score do I need?
Many programs start around 620, with the best pricing at 740+. Not there yet? We'll map a short plan to get you qualified.
Articles & market updates.
Daily BriefToday's market in plain English — for buyers & agentsGet in touch with Brett.
Drop your info and I'll reach out — usually same day.