Looking for a Mortgage Broker
in Palmdale, California?
Find the perfect home loan options for You!
I want to purchase a home
I want to see how much I can afford
Gabriella Godde
Mortgage Advisor / NMLS: #262012
CONSULTATION
Our team of industry-leading mortgage professionals will consult with you to determine the best loan options for your unique financial situation.
APPLICATION
Once we’ve identified the appropriate financing option for you, it’s time to submit your online application to get the ball rolling on approval.
HOME
It’s time to get started on the next chapter of your life. You’re approved, funding is secured, and it’s time to get packing.
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Groves Capital Inc. is one of the fastest growing mortgage companies in California. Join the Groves family and benefit from our years of combined experience in the mortgage industry.
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Frequently Asked Questions (FAQs)
1. Can I qualify for a mortgage if I'm self-employed?
Yes. Self-employed borrowers can qualify using traditional income documentation or alternative programs like Bank Statement Loans. If your tax returns don’t reflect your actual earnings, a mortgage broker can help you explore lenders that evaluate your overall financial picture rather than just W-2 income.
2. What documents are needed for a Bank Statement Loan?
Instead of tax returns and pay stubs, Bank Statement Loans use your personal or business bank statements (typically 12–24 months) to verify your income. You’ll also generally need a profit & loss statement, proof of self-employment or business ownership, and standard documentation like ID and asset statements. Because every lender’s requirements vary, the best next step is a quick consultation to confirm exactly what applies to your situation.
3. When should I refinance my mortgage?
It’s worth exploring a refinance when home values in your area have risen since your purchase, when your credit has improved, or when you want to access equity for home improvements or debt payoff through a cash-out refinance. A refinance replaces your current mortgage with a new one, and a home appraisal will determine how much equity is available to work with. If you’re unsure whether the timing makes sense for you, a quick review of your current loan can tell you.
4. Can first-time homebuyers get help choosing a loan?
Yes. First-time buyers often qualify for Conventional, FHA, or down payment assistance programs, and the right fit depends on your credit, income, and how much you have saved for a down payment. Part of the consultation process is walking through each option so you understand the trade-offs before you apply — there’s no one-size-fits-all loan for a first purchase.
5. Why should I work with California Mortgage Girl?
Gabriella Godde brings 25+ years of lending experience (NMLS #262012), working with everyone from first-time homebuyers to self-employed borrowers with complex tax returns and multiple properties. The goal on every loan is the same: give you clear, reliable information so you can make an informed decision before entering into a real estate transaction — not just get you to sign paperwork.
6. What should I expect during the mortgage application process?
The process runs in three steps: a consultation to identify the best loan options for your financial situation, submitting your application to begin the approval process, and closing once your financing is secured. Along the way you’ll provide income and asset documentation, and a home appraisal will typically be ordered. Most borrowers can expect ongoing communication at each stage so there are no surprises before closing.