Hi, I’m Angela Whittaker.
I serve California homebuyers, homeowners and real estate investors with creative financing and strategic solutions — blending traditional lending with an investor-focused mindset.
Real Numbers, Honest Answers
Let me be the judge of your credit — that is my job, not yours.— Angela
I work with first-time and repeat buyers across FHA, Conventional, VA, Jumbo and Non-QM options, including down payment assistance programs most buyers are never told about. For homeowners, that means refinancing, HELOCs and equity strategies. For sellers, it means bridge loans, buy-before-you-sell and cash offers — and when a listing is the right path, I connect you with trusted preferred agents.
For investors I offer DSCR, bridge, rehab and portfolio financing, and support the full investment lifecycle — from finding off-market opportunities to structuring offers to planning the resale. I also perform Broker Price Opinions for asset managers and lenders, so property valuation is something I do professionally rather than guess at.
Whatever brought you here, you will get a straight answer. If something does not make sense for your situation, I will tell you — and I will show you what would.
Four Standards I Hold Myself To
These are not slogans. They are how every file is handled.
How I Can Help
Choose what fits your situation — or book a free consultation and I will point you to the right one.
What Clients Are Saying
Five-star reviews from buyers and homeowners I have worked with.
“I can’t say enough good things about Angela! As a first-time homebuyer, I was nervous and honestly didn’t know where to start. Angela explained everything in a way that was easy to understand and never made me feel like I was asking too many questions. She kept me informed throughout the whole process and made buying my first home such a great experience. I’m officially a homeowner, and I couldn’t have done it without her!”
“Angela made our refinance process incredibly smooth. She explained every number clearly and helped us lower our monthly payment while pulling cash out to pay off debt. I always felt informed and supported — highly recommend LBA Lending!”
“I had been wanting to buy a home for a while, but the down payment was what kept holding me back. Angela told me about a down payment assistance program that I didn’t even know was available. She helped me through the qualification process and made sure I understood what was required. I’m so thankful I reached out to her because I probably would have continued thinking homeownership wasn’t possible for me.”
“I reached out to Angela because I wanted to pull some equity out of my house but had no idea which way to go. HELOC, home equity loan, refinance — it was all confusing to me. Angela broke everything down and compared the options without pressuring me into anything. She answered all my questions and helped me figure out what made the most sense for what I was trying to accomplish. Definitely give her a call if you need help figuring out your options.”
“As a first-time buyer, I had so many questions. Angela walked me through the entire loan and purchase process step by step. Her responsiveness and knowledge made me feel confident from pre-approval to closing.”
“Angela gets the job DONE! My situation had a few challenges and there were times I wasn’t sure my loan was going to work out. Angela stayed on it, found solutions, and kept me encouraged throughout the process. We made it to closing! If you need a loan officer who is going to work hard for you and not give up when things get complicated, call Angela. Highly recommend!”
“Angela assisted me with refinancing my home and provided excellent service from beginning to end. She reviewed my existing mortgage, presented the available options, and clearly explained the numbers so I could make an informed decision. The process was organized, communication was consistent, and everything was handled professionally. I would absolutely recommend her for mortgage financing or refinancing.”
“We were facing financial pressure and didn’t know our options. Angela reviewed everything and helped us create a plan before things got worse. Her guidance and professionalism truly made a difference for our family.”
Licensed Throughout California
Serving clients across the state, from Sacramento to San Diego.
Rough estimate based on a 43% debt-to-income guideline with an allowance for taxes, insurance and mortgage insurance. Down payment defaults to 3.5%, the FHA minimum. The rate shown is a starting assumption you can change — it is not a quoted rate. Not a quote, an offer, a pre-approval, or a commitment to lend.
Principal and interest only. Excludes property taxes, insurance, HOA dues and mortgage insurance. The rate shown is a starting assumption you can change — it is not a quoted rate. Not a quote, an offer, or a commitment to lend.