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.

Wednesdays have easily become our favorite day of the week. Why? Because we get to highlight amazing women doing big things in business.

Today we’re highlighting realtor specialist, Melissa Rodriguez! 🥳

Having got her start in real estate 4 years ago and having an entrepreneur background, Melissa sets the bar high for herself, seen in the success she’s had in just those four years alone.

Outside of real estate, she’s a wife, a devoted mother of 3, and gives back through ministry where she’s served for 7 years.

You go, Melissa! 🤩

If you’re a loan officer and you haven’t checked out VPL yet, ask yourself why 😏

Like our CEO says, we’re a marketing company that does loans 🙌🏽

Tax season is upon us, so you know what that means 🤑🤧💸

If you find yourself owing money to the IRS but want to buy a home, the short answer is - YES YOU CAN.

As long as you have a payment plan set up with the IRS and you are consistently making payments, you are still able buy a home 🙌🏽🏠


If you’ve had a hard time getting pre-qualified for a home loan because you don’t claim enough money on your tax returns, this NON-QM PROGRAM is for you! 🙌🏽

Today’s #WomenWednesday goes to our girl, Valerie! 🤩

Having recently obtained her MLO license, Valerie has set the bar high with her incredible work ethic and communication skills. She’s tenacious and driven and always has a smile on her face 😊

Outside of the office, Valerie is a hair stylist and loves helping others feel and look their best.

You go, Valerie! 🥳

Missing a few but celebrating this amazing group of women and all women on #InternationalWomensDay 🤩

May you all continue to defy the odds and break through barriers. We’re with you 🙌🏽

Go get ‘em, ladies! 💪🏽

A wise man once said, “We’re on a relentless pursuit of our mission.” That wise man is our incredible CEO, Michael Sunnaa.

To know him is to know his unwavering passion for people. He leads by example and expects the best out of all of us. It’s because of him that VPL’s vision and future is bright. We sure hit the jackpot.

Happy 50th Birthday to the best boss out there! We love you! 🥳🤩

Like @djkhaled says, ‘Anotha One’ - introducing our latest #WomenWednesday feature, Lisa Goldsmith! 🤩

Lisa got her start in the mortgage industry over 15 years ago and has elevated our team since the start. Here at VPL, she’s our business development manager and has shown her ability to perform her job at the highest level through her diligence and work ethic. She goes above and beyond for the team and her clients and is always willing to lend a hand.

Outside of her work role, Lisa enjoys spending her weekends with family and she is an incredible mother to 6 sweet kids.

Thank you for joining us on this journey, Lisa! Today we celebrate you and all that you do! 🥳

A special Happy Birthday to our friend and colleague, Uriel! 🤩

We’re so excited to have you on this journey with us. Hoping this year brings you all the joy and happiness! 🥳

Hey, you there 👇🏽 @doctor.mortgagemoreno says to crush your Monday 💪🏽 ...

And with that, Happy Friday 🤩 ...

All smiles when life and loans are this good, right? 😁 ...

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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