Changing Lives Through Mortgages

Dedicated to changing the lives of our employees, clients, and referral partners through responsible mortgage lending while creating a new standard of service and positively impacting the communities that we serve.

Lending from Your Point of View

Welcome to Viewpoint Lending! We are an exceptional full-service mortgage banker headquartered in Santa Ana, CA. Without a doubt, Viewpoint Lending are some of the hardest working mortgage bankers in the industry. We are here twenty-four hours a day to provide our clients with a variety of mortgage loan options tailored to your specific financial situation. Viewpoint Lending specializes in a diverse selection of mortgage programs, including Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, Alt-Doc Programs and Down-Payment Assistant Program.

Whether you are looking to purchase a home or refinance, you can count on Viewpoint Lending to always look out for your best interest. Our ultimate goal is to give our clients the financial key to purchase their dream home in:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Maryland
  • Michigan
  • Ohio
  • Oregon
  • Pennsylvania
  • Texas
  • Utah

We Offer Several Loan And Down Payment Assistance Options

There is always purpose, honor, and integrity behind everything we do. Viewpoint Lending team is made up of incredibly knowledgeable and experienced licensed loan officers. We are client advocates and will go above and beyond in making sure that you receive document payment assistance and mortgage loan options that suit your needs, desires, and financial requirements. Our interest rates and closing costs are competitive.

From the first consultation to giving you your keys, Viewpoint Lending is here to help, educate and empower you to buy the home of your dreams. Let us assist you on figuring out which mortgage loan best suits your necessities. Contact Viewpoint Lending today to discuss your mortgage loan options!

You Will Always Receive More With Our Mortgage Loan Programs:

  • Rate Match Comparison
  • No Mortgage Insurance
  • W-2 & Paystub Only Program
  • Jumbo Products up to $3M
  • Manufactured Homes
  • No Max DTI (Debt to Income Ratio) with AUS (Automated Underwriting Systems) Approval
  • Self-Employed with 1-Year Tax Returns
  • Closing Cost Assistance
  • Down Payment Assistance

Meet The Team

We have a whole team working for you with 30 members including Loan Officer Assistants, Soulutions Director, Processors, Junior Processors, and our Marketing and Thank You Departments.

Conventional Loan

Viewpoint Lending provides conventional loan rates to clients throughout United States looking to buy their dream home or refinance their existing home. To find out how Viewpoint Lending can help determine if a conventional loan is right for you, contact us today.

Jumbo Loan

As a full-service mortgage group, our mortgage bankers provide Jumbo Loans up to $3 million to assist affluent clients attain the home of their dreams. Viewpoint Lending works with purpose, honesty, and integrity in everything we do. If you are looking for a local mortgage banker to assist you in financing a home, call us today!

FHA Loan

When it comes to FHA loans—or Federal Housing Administration loans—Viewpoint Lending helps first-time home buyers navigate the process with ease and confidence. From consultation to the moment you receive the keys on your new house, Viewpoint Lending will be there to take care of your needs. Visit our website today!

ALT-DOC Programs

Our Alt-Doc program, or otherwise known as an alternative document loan program, provides our clients with the option to get what they need. Viewpoint Lending is committed to helping our clients in any way possible. To find out if you are eligible, visit our website or give us a call today.

VA Loan

Viewpoint Lending is honored to offer the VA loan—or the Veteran Affair loan—for those who have served our country. Our VA loan is accessible to both veterans and active-duty members alike. Viewpoint Lending will help you through the entre process until you are able to buy that dream home. Give us a call!

Down-Payment Assistant Program

We offer a variety of down-payment assistance programs,  assisting clients with closing cost, and much more. Give us a call. 

What Our Clients Say

Chris Moreno Is The Best!!

This is my 2nd refi and it has been by far the best experience I've had with Viewpoint Lending. I specifically appreciated that Chris and his colleagues were very knowledgeable about the whole process and got me such an amazing rate. He explained all of my options clearly as well as the benefits and drawbacks of each which really allowed me to make an informed decision. Viewpoint Lending has been extremely diligent about updates. Chris is quick about making himself available, I cannot recommend him and Viewpoint Lending enough.

If there were 10 stars Viewpoint Lending would get them!

They have been helping my clients with new mortgages and refinancing for over 5 years and always do their best to provide excellent customer service and support! I highly recommend Christopher Moreno and his team!

I Am A Realtor Here At Keller Williams Realty And Have Been In The Business For Almost 5 Years Now.

I have never come across a lending group that has the drive, patience and work ethic that this team has. Not only are they top notch lenders that will go above and beyond for the agents and their clients. They offer Lauren, the best marketing director you can ask for and work with. The whole team is ridiculously accommodating and will literally walk the extra mile right next to you, putting up your open house signs. Each client I have referred them to feel extremely comfortable working with them and end up loving the experience they provide. Each of these lenders will answer your phone call or text at any time of the day or night and Lauren is always willing and ready to help with a video or anything that can promote you as an agent. I cannot say enough positive things about this group. I highly recommend you give them a try. It will be hard to use any other lender after receiving this kind of professionalism and dedication from Viewpoint Lending.

I Had The Pleasure To Work With Christopher In September

He help me obtained my new mortgage. I love the fact that Christopher was available 24/7 to answer my question and concerns. His dedication and passion to help others made a big difference in the process of obtaining a loan mortgage. He makes sure to take good care of his clients.

THANK YOU to everyone who’s joined us on this journey and who’s trusted us with your finance needs 🤝

Wishing you all a Happy Thanksgiving to you and your family! 🦃🥧🌽

Are you in the need for leads? 🤔

Check out this live call from one of our VPL leads, generated from @themortgagekitchen 📱

Now’s the time to join VPL because we have the right resources to take your business to the next level 🙌🏽


Welcoming Regional Manager, Julian Bustamante 🙌🏽

“I had just borrowed $200 from my mom for groceries.” - Michael Sunnaa, CEO of VPL

From humble beginnings to becoming the owner and operator of Viewpoint Lending, our CEO bares all to show that our circumstances will never define us. It’s what we make of those circumstances that does.

We can’t say enough about this man. We’re thankful to work for a boss who shows full transparency and is in the constant and relentless pursuit of his mission for this company 🙌🏽

Yes, today we’re in a GOOD MOOD because we’re still in shock over our first LET’S TALK SOCIAL event 🤩

Thank you to everyone that showed support and to our sponsors for making this happen! Without you all, none of this would have been possible.

Let’s talk social in the new year and make a name for ourselves 🙌🏽


Reporting LIVE from Viewpoint Lending we have Christopher here with the most recent LET’S TALK SOCIAL weather report 🌧

There’s a 100% chance that if you come out to our event where we will have a live Q&A and some great tips on how to grow your social media from two of the biggest mortgage influencers, you will not regret it 🤩

See you all, Thursday November 10th at 9am at the Embassy Suites in Brea ✅

A quick throwback to the team learning to Flood The Freakin’ Funnel with the man, David Halpern 🔥

We learned leverage and delegation and how to grow our business in every market shift.

If you don’t know, now you know! Make sure to check this guy out if you’re looking to scale your business in 2023 🤝

November is here so you know what that means.. Turkey and celebrating another woman doing amazing things 🥳 For our #WomenWednesday this month we’re highlighting our friend, Ashley Avalos!

She’s the owner and CEO of Ashnicola Inc. Bookkeeping Services and she’s an expert in her field. Ashley works with anything from small businesses to large companies and has provided exceptional service to her clients.

We celebrate you, Ashley! We wish you continued success 🤩🤝

#WomenEmpowerment #WomenSupportingWomen #WomenInBusiness #Fempreneur


Creating content is one thing, but creating content that leaves a lasting impression on your viewer is another. Learning how to leverage your social media by creating meaningful content will bridge the gap between social media growth and gaining leads through social media.

Learn all this and more from social media mortgage influencers, @themortgagekitchen + @whatsamortgage at our LET’S TALK ‘SOCIAL’ event on November 10th from 9-1pm at the Embassy Suites in Brea! 🤩

Choose your character: Which one’s your fav? 🎃👻

Happy Halloween from your Viewpoint Lending family! Stay safe out there.. and spooky 🫣

It might not be your rate, but it might be the home price you’re looking for. It’s all relative, right?

A couple advantages of house prices decreasing is:

• Seller credits to cover closing cost
• Less competition
• Buying a home you thought you couldn’t before

Whatever your situation is, only you know when you’re ready to buy 🏡

A quick word on what’s currently happening in our economy from the one we call “The Loan Godfather” 🤝

If you’re thinking now’s the time to slow down because the market is slowing down, you can fuhgedaboutit.

Keep creating that content and preparing for any market shifts 👏🏽

A quick throwback to the 2022 Live Like Jack Golf Tournament ⛳️

A great event for an even greater foundation that spreads awareness for organ donors.

May we always remember to Live Like Jack through our generosity, giving, and hearts❣️

A quick word from our CEO and his thoughts on the current economy 👏🏽 ...

A quick recap of the Realtor Top Producer October Panel hosted by Remax Top Producers 🤩

Some incredible realtors doing some big things 💪🏽

Thank you to @remax_top_producers for having us and for @eastlostacos for always comin’ through with the best tacos in the game! 🌮

Our Loan Programs Include:

Rate Match Comparison
No Mortgage Insurance
W-2 & Paystub Only Program
Jumbo Products up to $3M
Manufactured Homes
Self-Employed with 1-Year Tax Returns
Closing Cost Assistance
Down Payment Assistance
No Max DTI with AUS Approval