Entity Mortgage · Santa Clarita, CA · Serving California & Colorado
Buying a Home Is Personal. Your Home Loan Should Be, Too.
Work directly with owner Andy Martinez Jr. and one small team that can help with both your home search and your loan. Real answers, plain language, and people you can actually reach.
The application is online and secure.
“I don’t tell my kids I’m going to work. I tell them, “Daddy’s going to go help people.”
Why Entity Mortgage
A Small Team, On Purpose
Getting a mortgage can feel like you’re being passed from desk to desk. Not here. We keep things small so you always know who’s working on your loan, and you can reach them when you have a question.
Direct Access to Andy
You’re not a ticket number. You can talk to the owner, and he’ll walk you through your options himself.
One Team, Start to Finish
Through our sister company, Entity Realty, the same team can help you find the home and finance it. Fewer handoffs, fewer surprises.
A Personal Touch
We explain every step in plain English, check in often, and treat your purchase like it matters. Because it does.
Andy Martinez Jr., Owner, Entity Mortgage and Realty · Company NMLS #2371431
Loan Options
Loans We Can Help With
Every situation is different, so we start by listening. Here are the kinds of loans we can talk through with you. We offer nearly every type of home loan, except reverse mortgages.
01. Conventional & Conforming
A flexible choice for buyers and homeowners with steady income and good credit, for primary homes, second homes, and rentals.
02. FHA Loans
Government-backed loans with flexible credit guidelines and a lower down payment, popular with first-time buyers.
03. VA Loans
VA Specialist
Home loans for veterans, active-duty service members, and eligible surviving spouses. This is Andy’s specialty, and we’ll walk you through your benefit step by step.
04. Jumbo Loans
For higher-priced homes above the conforming loan limit, common in many Los Angeles neighborhoods.
05. Self-Employed & Non-QM
Bank statement, P&L, 1099, and asset-based options for business owners and borrowers whose income doesn’t fit a W-2 box. ITIN options are available too.
06. Investor & DSCR Loans
Financing for rental and investment properties that can qualify based on the property’s rental income instead of your personal income.
07. Refinance & Cash-Out
Lower your payment, change your loan term, or tap your home’s equity for renovations, debt consolidation, or other goals.
08. HELOCs & Home Equity
Access your equity with a home equity line of credit or second loan, without touching the low rate on your first mortgage.
09. First-Time Buyers & Down Payment Help
Guidance for first-time buyers, including down payment assistance programs where you qualify.
10. Commercial Loans
Financing for commercial and mixed-use properties. Tell us about the deal and we’ll find the right fit.
Not sure which one fits?
That’s what we’re here for. Start your prequalification and we’ll help you sort it out.
All loans are subject to credit approval, underwriting, and program guidelines. Not all applicants will qualify.
How It Works
Three Simple Steps
1. Get prequalified
Fill out our secure online application. It’s the first step to knowing what you can comfortably afford.
2. Talk it through
Andy or someone on our team reaches out to go over your options, answer your questions, and explain what comes next.
3. Find your home and close
Shop with confidence, with help from Entity Realty if you’d like, and we’ll guide your loan all the way to the closing table.
Where We Lend
Service Areas
We’re based in Santa Clarita, California, and we’re also licensed in Colorado. Serving Santa Clarita, Los Angeles, Colorado Springs, and Denver.
California (home base): Santa Clarita and greater Los Angeles. Lending now.
Colorado: Colorado Springs and Denver. Lending now.
Questions People Ask Us
What’s the difference between prequalified and preapproved?
Prequalification is a first look at what you may be able to borrow, based on the information you share. Preapproval goes further, with documents verified.
What do I need to get started?
Just the basics to begin. We’ll let you know exactly what else we need as we go.
Do I have to use Entity Realty to get a loan with you?
No. You’re always free to choose your own agent and your own lender. Having both under one roof is simply an option that can make things easier.
Will I really get to talk to Andy?
Yes. That’s the point of being small. You’ll know who’s on your loan and how to reach them.
Which states do you lend in?
California and Colorado today.
Let’s Talk
Have a Question First? Reach Out.
No pressure and no jargon. Call, text, or email and you’ll hear back from a real person.
Business Line: 661-877-4162
Direct Call/Text: 310-597-2089
Email: andym@entitymortgageandrealty.com
Office: 26254 Prima Way, Santa Clarita, CA 91350
Entity Mortgage and Realty | Company NMLS #2371431 | CA DRE #01978202 | CO Real Estate Lic. #EI.100111345 | CO MLO #100546295 | Equal Housing Opportunity.
