(800) 300-0562 | brokerapproval@tjfinancial.com
Your California Wholesale Lending Partner
Close more loans with a boutique wholesale lender built for California brokers.
For over 37 years, T.J. Financial has partnered with mortgage brokers to deliver flexible loan programs, fast decisions, and hands-on support from submission to closing.
Contact us for a walk through of:
- Ways to leverage our competitive conventional and high-balance pricing to help you win more deals
- How our portfolio and Non-QM options solve challenging borrower scenarios
- How our California-focused underwriting helps close loans faster
- How T.J. Financial supports brokers from submission to closing
For urgent inquiries, call us M-F 8:15AM-5:00PM at (800) 300-0562
Expand Your Lending Options
Our core offering focuses on conforming and high-balance agency loans designed for California markets.
T.J. Financial offers a flexible product matrix designed specifically for California borrowers.
Expanded qualifying options for high-value properties. Jumbo loans above conforming limits are available with either manual or AUS underwriting.
Alt-Doc and DSCR programs for non-traditional income scenarios, including WVOE, bank statement, 1099, asset depletion/utilization, and P&L options.
Exclusive portfolio solutions for non-QM and Closed-End Second loans, giving you flexibility for challenging borrowers.
California Specialists
As a California-only lender, we understand the state’s unique lending landscape, regulations, and market conditions.
Broker-Focused Support
T.J. Financial provides a hands-on, personalized approach. Our dedicated team works closely with brokers from first inquiry to closing to ensure smooth, efficient transactions.
Smooth Closings
Our experienced underwriting team identifies potential issues early and works personally with brokers to resolve them, ensuring a smooth, efficient loan process.