Xcel Lending, Inc. | NMLS # 2021073 | CA DFPI Licensed Lender | Equal Housing Lender

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    • About Us
      • Privacy Policy
      • Terms of Service
    • Loan Programs
      • Conforming Loans
      • FHA Loans
      • VA Loans
      • USDA Rural Housing
      • Down Payment Assistance
      • ITIN Loans
      • DACA Programs
      • FTC-Contruction-Loan
      • Renovation Loan
      • Reverse Mortgage
      • NWC Financing
      • FHA 580 credit score
      • DSCR Loans
    • FAQ
    • home purchase loan cycle
  • Home
  • Apply Now
  • Contact us
  • About Us
    • Privacy Policy
    • Terms of Service
  • Loan Programs
    • Conforming Loans
    • FHA Loans
    • VA Loans
    • USDA Rural Housing
    • Down Payment Assistance
    • ITIN Loans
    • DACA Programs
    • FTC-Contruction-Loan
    • Renovation Loan
    • Reverse Mortgage
    • NWC Financing
    • FHA 580 credit score
    • DSCR Loans
  • FAQ
  • home purchase loan cycle
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Access loan Programs from 285+ Lending Sources

Residential & Government Loan Programs

Residential & Government Loan Programs

Residential & Government Loan Programs

  • Conforming Loans
  • FHA Loans
  • VA Loans
  • USDA Rural Housing
  • Down Payment Assistance (DPA)
  • ITIN Loans
  • DACA Programs
  • First-Time Close Construction Loans
  • Renovation Loans
  • Reverse Mortgages
  • Non-Warrantable Condo Financing
  • Programs Avaliable Down to 580 FICO

Investor & Specialty Loan Programs

Residential & Government Loan Programs

Residential & Government Loan Programs

  • Investor Loans (Fixed & Adjustable
  • DSCR Investor Loans
  • Fix & Flip Financing
  • Hard Money Loans 
  • Bank Statement Programs
  • No Income Verification Loans
  • Bridge Loans
  • Piggyback Financing
  • Interest-Only Loan Options
  • 40-Year Term Loan Programs
  • High Balance & Jumbo Loans
  • Jumbo VA Financing & HELOCs

Commercial & Specialty Financing

Commercial & Specialty Financing

Commercial & Specialty Financing

  • Commercial Real Estate Loans
  • Church Financing
  • Land & Lot Loans
  • Hobby Farm Financing
  • Doctor & Professional Loan Programs

Why Borrowers Choose us

Commercial & Specialty Financing

Commercial & Specialty Financing

  • Hundreds of lender options
  • Solutions for unique borrower situations
  • Fast approvals
  • Competitive rates
  • Personalized loan strategies

“Your Path to Homeownership Starts Here.”

Services

About us

Xcel Lending helps make real estate financing simple and personal. Whether you’re buying your first home, refinancing, investing, or financing commercial property, our team guides you from pre-approval to closing and helps you find the loan that fits your goals. Teamlarkins.com can help with finding the right home for you. 

Home Purchases & Refinances

 Purchasing a home or refinancing your mortgage is easier with the right guidance. Xcel Lending helps you explore loan options that fit your budget and goals while keeping the process smooth from application to approval. Whether you’re buying, lowering your rate, or accessing equity, we’re here to help you move forward with confidence. Areas we service in Orange County are  Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda 

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Normal business hours.

Xcel Lending

California 55, Orange, CA

Toll-Free (888) 370-5969

Hours

Mon

09:00 am – 05:00 pm

Tue

09:00 am – 05:00 pm

Wed

09:00 am – 05:00 pm

Thu

09:00 am – 05:00 pm

Fri

09:00 am – 05:00 pm

Sat

Closed

Sun

Closed

Copyright © 2026 Xcel Lending - All Rights Reserved.

Xcel Lending, Inc. | NMLS #2021073 | CA DFPI Licensed Lender | Equal Housing Lender
Loans subject to credit approval. Terms and conditions apply.

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