Already own a home? Refinance rate are available at an all-time low. Find your refinance opportunity today!


Our pre-qualifications are FREE and we require NO COMMITMENT!

Simply learn of your buying and refinance options!

Find Loan Products We Offers

We will match you with a loan program that meet your financial need. In short term liquidity, by striving to make funds available to them within 24 hours of application.

Down Payment Assistance

Down payment assistance is a loan program that rewards buyers who have high credit scores. Some buyers are eligible for a down payment as low as 1%.

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FHA Loans

FHA loans are the most popular for first time buyers. They require a credit score above 580 and a down payment of 3.5%. Typically buyers choose this program because of the attainable requirements.

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Conventional Loans

FHA loans are the most popular for first time buyers. They require a credit score above 580 and a down payment of 3.5%. Typically buyers choose this program because of the attainable requirements.

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VA loans are one way that we say thank you to our veterans. Veterans can qualify purchase a home with a down payment of ZERO. That’s right no down payment!

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Refinancing your mortgage can be a smart move if the savings you get from a lower interest rate will eventually outweigh your closing costs.

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Cash Out Refinance

A cash out refinance can help you restructure your home loan and take advantage of the equity your home has built! This can help you use the money accrued for other expenses.

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Niche Occupation Program

School Staff, Police Officers, HealthCare Workers & other first responders. did you know that your occupation could help you qualify for a lower down payment!

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Bank Statement Program

Are you self-employed and cannot prove your income on your taxes? A bank statement program helps you qualify for a home using only your bank statements!

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ITIN Programs

If you or someone you know files taxes with an ITIN number they can qualify for a home loan! Credit scores for these programs must be above 660!

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A jumbo loan (or jumbo mortgage) is a type of financing where the loan amount is higher than the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

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Your No Obligation Prequalification is Easy!


Explore Your Buying Options

Answer some simple questions so that we can begin learning of your options!

Apply Now


Get Your Buying Options

Once you answer the questions your answers will be analyzed so that we can begin to explore which home buying program works best for you.


Speak with our Team for a Free Consultation

If you like your options, one of our experts will contact you and explain your personal homebuying options. You will be able to ask our team member any questions you may have regarding home ownership!

Your Home Journey Starts Here!

Most online home shoppers simply want to learn what their options are to buy a home. That’s where Downtown Financial Group is most helpful! Our goal is to help you learn of your current options, and what you can do now to purchase a home when you are ready in the future!

We pride ourselves in putting our clients needs first at all times. This means that if you simply want a consultation so that you can decide if you want to buy a home later you can do that! Our team is not here to sell you a loan, we are here to educate you on the steps you need to take to achieve home ownership. When you are ready to buy a home we can begin that process!

So what’s your next step?

  1. Request A Quote for Free and With No Obligation Required
  2. Answer the Questions to the best of your knowledge
  3. Our team will be in contact with you within the next 24 hours!

Request Quote Now!

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  • - Select Loan Purpose-
  • Purchase
  • Refinance
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  • - Select Credit Profile -
  • Excellent
  • Good
  • Fair
  • Minor Problems
  • Poor
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Why Apply With Us

We’re attentive to our clients and can offer you more than one loan option to fit your needs. We listen to your home owning goals first and help you find the best fit.

Multiple Loan Options

Finding the best loan program for you is our top priority, regardless of your financial background we will always have multiple loan programs for you.

Competitive Rates

As brokers we have access to various banks. That means that we can offer various rates on multiple loan programs.

Client Service

Our clients are our priority. We put your needs before anything. Working with us ensures that you have access to your loan officer 24/7

Downtown Financial Group Overview

As a local mortgage brokerage based out of Northridge and servicing all of Southern California, our goal is to help families attain generational wealth through homeownership. Whether you are looking to make your mortgage more affordable by refinancing or you are looking to purchase your first ever home, we understand how valuable owning real estate and more importantly owning a home is!

Our Company Vision & Mission

We value ourselves in helping families understand the home buying and refinancing journey. Often, lots of the terminology and steps one takes in purchasing a home can be stressful and confusing. We take our time in ensuring our clients are guided through each step and that they understand what is occurring at each step of the home buying process.

Our Vision

Our vision of home ownership is helping families understand that owning a home IS possible. Whether you are financially prepared now or whether families need to know the steps they need to take to be eligible for a home in the future, our goal is to educate families on what they need to do to own a home.

Our Goal

Our goal is for you and all of our clients to leave Downtown Financial Group one step closer to their home goals than they were before working with us. Whether they leave us with a new home, a refinanced mortgage, a free prequalification, or knowledge so long as we can help you elevate to the next step of home ownership we have attained our goal!

Who we are

We are a full service mortgage brokerage. That means that we make the financial side of owning a home easy. Since we are not a bank or a direct lender, we have access to multiple financial institutions. This is helpful because we now have the ability to reach out to multiple banks to find the absolute best loan program for you.

What makes you different than a bank?

We work as a team and really look out for you. There is no hidden fees in working with us, and we never charge you. Furthermore, as brokers we are able to look at various financial institutions. This means that we can always search for the lowest mortgage rates and niche programs that work with you. We also have excellent client service and you will have access to your mortgage loan specialist 24/7

Do we pay you?

As a mortgage brokerage you will never be paying us directly. We work with various banks who take care of our compensation. This allows us to make our prequalification free and at no cost, our only goal is to help you refinance or get into your first ever home!

Our History

Our brokerage was founded in 2018. We began as a small brokerage working out of an office in Downtown Los Angeles, hence the name Downtown Financial Group.

Our Expertize

Our excellent client service and the need for families to find a team that they could trust to help them securely and quickly get into a home allowed for our team to grow quickly. In 2019 our team was able to open up a storefront and we are now based out of Northridge. Our team has over 50 combined years in the mortgage industry. We have team members who are consistently studying the market, learning of new trends, and that have seen various loan scenarios.

How We can help

If you think you have a unique home owning situation we challenge you to bring it to us, odds are that our team has experienced something similar before and we will know how to take the necessary steps to ensure your home owning journey is successful!

Our Leadership

Victoria Mendez is the founder and leader of Downtown Financial Group. Prior to being a mortgage loan specialist, Victoria worked all across the United States as a Corporate Trainer for the financial giant JpMorgan Chase & Co. better known as Chase Bank. During her time there Victoria attained leadership and people skills that allowed her to understand two components.

  1. How to ensure a team has the same vision and all provide the same excellent service.
  2. How to understand the needs of others and help them as best they can!

Victoria began working with loans in the late 2000s and has various experiences. She worked through the market crash of 2008 and that taught her valuable experience. Her knowledge and partnerships within the Southern California real estate community allows for her and the team to stay updated with constant changes in the market.

Furthermore Victoria and Downtown Financial Group have won awards Nationwide. In 2019 Downtown Financial Group was named as a Top #25 Brokerage in the National By Pacific Home Brokers. Victoria was also recognized by NAHREP as one of the top 250 Mortgage Experts in the Nation!

Why People Choose Us

Our first time home buyers and homeowners who refinance their homes cite our client service, amazing rates, and easy process as the top reasons they love working with us.

Dedicated Specialists

Our team of mortgage experts will help guide you through your loan process!

Meet the team

Success Stories

Join the hundreds of California families who buy and refinance their homes with Downtown Financial Group’s easy and amazing programs.

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Free Estimates

Our estimates are free and at no-commitment. You can schedule a free prequalification or try our mortgage calculator.

Contact Us

The results speak for themselves, see our reviews from TrustPilot.

Downtown was awesome to work with

I, Steven Morgan met Mike Vasquez on Facebook. He has shown himself to be trust worthy. My wife did majority of the leg work so I’m going to allow her to say something.

Esther: Mike is a very pleasant man. He went above and beyond to make sure we got the home we wanted. The interest rate he locked in for is absolutely wonderful. I highly recommend him to handle your business when looking to purchase your home.

Victoria helped me tremendously to secure…

Victoria Mendez is a true professional and incredible. I just closed escrow and being a first time buyer, I had numerous questions during the process. She was patient, incredibly knowledgeable and was accessible every single time making the process less arduous. Communication was key for my comfort level. I feel extremely satisfied with the service provided.

I highly recommend Victoria for your mortgage needs. Couldn’t have purchased my home without you. Thank you Victoria and your entire team for all your hard work!

Very helpful and made the process easy.

I can’t express the gratitude I have for Victoria and her team! Victoria and Joseph made it possible for us to build our dream home and the journey they have taken with us through every step of the way makes us feel like we are family. They are very professional, friendly and educated. They’re always available for us to ask questions, educate us about our loan process, and make us feel at ease. I would highly recommend Downtown Financial Group to anyone who is looking to buy their dream home for the first time or thinking of re-financing. They are amazing and exceptional!

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Frequently Asked Questions

Our mission is to deliver reliable, latest news and opinions.

As a first time home buyer, your home buying options depend on various factors: your credit score, your income, your work history. We can help you find your buying options.

You should apply to buy a home whenever you feel financially ready. Whether you think your credit score, income, or current rates come into play the most important part is being financially ready.

Yes! Lots of buyers who purchased homes within the past few years may see today’s current rates and wonder how they can take advantage of these rates. We can help you refinance and lower your mortgage.

Your first step in buying a home is to get prequalified! You must know how much you can afford on a home loan prior to begin hunting for a house. Ask us how we can help you find your current home buying options.

We are Here to Help You

Our mission is to help you find the best loan program for you.

Apply For Loan

Looking to buy a home or refinance your existing home? Then apply for loan now.

Get Appointment

Call us at

(818) 396-3335


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Talk to Advisor

Need loan advise? Talk to one of our loan experts today!

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