Hi, I’m Charles Brady, a dedicated loan officer at Premier Wholesale Mortgage based out of Los Alamitos, California. Over the years, I’ve had the privilege of helping thousands of families and individuals across California prepare for and achieve their homeownership dreams—whether it’s buying their first home, upgrading to a larger space, building something new, or tapping into their home’s equity.
My personal mission is straightforward: to deliver the lowest possible rates available while providing the smoothest, most transparent process possible. I believe home financing shouldn’t be stressful or confusing, so I focus on clear communication, personalized guidance, and finding the right loan solution that fits your life and budget.
At Premier Wholesale Mortgage, we back that commitment with outstanding results—over 220 five-star reviews from clients who value our expertise, honesty, and ability to close loans efficiently. We proudly serve communities throughout California, helping people from all walks of life secure the financing they need.
I offer a full suite of mortgage options tailored to your unique situation:
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Conventional Loans: Not insured by the federal government, these loans often require higher credit scores and down payments while conforming to Fannie Mae and Freddie Mac guidelines.
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Government-Backed Loans: Designed to increase accessibility to homeownership through federal insurance and support.
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FHA Loans: Backed by the Federal Housing Administration—perfect for borrowers with lower credit scores and smaller down payments (as low as 3.5%).
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VA Loans: Backed by the Department of Veterans Affairs, offering benefits like no down payment for eligible service members, veterans, and surviving spouses.
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USDA Loans: Backed by the U.S. Department of Agriculture, ideal for low-to-moderate income borrowers in eligible rural areas, often with 0% down.
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Jumbo Loans: For high-value properties that exceed conventional loan limits.
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Fixed and Adjustable Rate Mortgages
Specialized Loan Products
For more unique needs, I provide:
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Renovation Loans (such as the FHA 203(k)): Roll repair or improvement costs directly into your mortgage.
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Hard Money: Short-term, asset-based loans secured by the property itself—great for investors, fix-and-flips, or situations where speed and flexibility matter more than traditional credit requirements.
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Non-QM Loans: Flexible programs for borrowers with non-traditional income, credit, or financial situations.
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Reverse Mortgages: For homeowners aged 62+, allowing you to convert home equity into cash without monthly payments.
Refinancing and Home Equity Products
Unlock your home’s value with:
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Home Equity Line of Credit (HELOC): A flexible, revolving line of credit secured by your home’s equity.
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Home Equity Loan (HELOAN): A fixed-rate, lump-sum second mortgage for major expenses or consolidation.
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Rate-and-Term Refinances: Replace your existing mortgage with a new one featuring a better interest rate and/or adjusted loan term—no cash taken out, focused purely on savings and better terms.
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Cash-Out Refinances: Refinance your current mortgage into a larger one, allowing you to pull out cash from your home equity for debt consolidation, home improvements, or other needs.
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Streamline Refinances: Simplified options (such as FHA Streamline) with minimal paperwork and often no appraisal, ideal for existing FHA borrowers seeking lower rates or payments quickly.
I’m passionate about educating my clients every step of the way so you feel confident and in control. Let’s work together to get you the lowest rates and the smoothest experience possible.
Contact me today for a no-obligation consultation—I’d love to hear about your goals and show you how we can make them a reality!
