BRIAN WIESNER,
MORTGAGE BROKER
NMLS 276531
Serving California, Arizona & Texas
Call today!
909-962-7689
MEET YOUR LOAN BROKER
ABOUT BRIAN
With over 26 years in the mortgage business and a background in education and coaching, Brian Wiesner brings a personal, transparent, and educational approach to every loan. Whether you're buying your first home, refinancing, or exploring reverse mortgage options, Brian has the tools and knowledge to guide you every step of the way.
Specializes in FHA, VA, Jumbo, Conventional, and Reverse Mortgages
Expert in self-employed borrower solutions and cash-out refinancing
Passionate about helping clients understand the "why" behind each loan strategy
WHAT WE OFFER
Home Loan Products
From first-time home buyers to seniors looking to use home equity in their retirement, Brian has a loan for you.
Traditional Home Loans
Flexible loan options for a wide range of buyers and budgets
Great for primary residences, second homes, or investment properties
FHA loans allow for lower credit scores and down payments as low as 3.5%
Conventional loans offer competitive rates and can avoid mortgage insurance with 20% down
Down Payment Assistance
Helps cover part or all of your down payment and closing costs
Ideal for first-time buyers or those needing extra support to qualify
Offered through state, local, or federal programs with flexible terms
Can make homeownership possible sooner with less out-of-pocket cash
Reverse Mortgages
Designed for homeowners age 62+ to access home equity without monthly payment
Can supplement retirement income or cover unexpected expenses
You remain the homeowner and keep the title in your name
Vestibulum purus quamNo repayment required until the home is sold, refinanced, or you move out
VA Loans
Exclusive benefit for veterans, active duty, and qualifying spouses
No down payment required and no private mortgage insurance (PMI)
Can be used for buying, building, or refinancing a home
Competitive interest rates and flexible credit guidelines
Investor Loans
Tailored financing for rental homes, fix-and-flip projects, or multi-unit properties
Competitive rates with options for different property types
Programs available with little to no personal income documentation
Build long-term wealth through real estate investing
Mobile/ Manufactured Homes
Financing solutions for manufactured, modular, and mobile homes
Options for homes on leased land or permanently affixed to property
FHA, VA, and Conventional programs available depending on eligibility
Affordable path to homeownership with flexible terms
F.A.Q.
Frequently Asked Questions about Mortgages
1. How do I get the best mortgage rate?
You don’t “shop” for the rate — you shop for the price of the rate. Rates change daily. You can choose any rate that’s on the pricing sheet. Most people choose the “par” rate, which doesn’t cost extra. Watch out for ads that say: “6.5% at 2 points” — you’re actually paying extra to get that rate. It’s not the base rate for the day.
2. How much house can I afford?
Most programs allow up to 50% of your gross income toward your mortgage and all monthly credit debts. But that’s not the same as asking, “What do I actually want to spend based on my lifestyle?” I’ll help you find that balance between qualifying and comfortable.
3. Do I need 20% down payment?
NO. This is a common misconception. Much lower down payments can be found:
- 0% down: VA and assistance programs
- 3%-3.5% down: Conventional and FHA loans
Your available cash and credit score determine your loan program fit. Also remember that closing costs are completely separate from your payment. We’ll plan for both.
4. Is my credit good enough to buy a home?
Credit is personal. What someone else did to improve their score might not work the same for you. It could even hurt. I use a simulator tool from the credit bureaus to create a clear plan for what to do (or avoid doing) so your score helps, not hinders, your approval.
5. What types of loans are available?
- Government: FHA, VA, USDA
- Agency: Fannie Mae, Freddie Mac
- Non-government/private: Jumbo, bank statement, investor, DSCR
Unless you’re a veteran using a VA loan, chances are you’ll qualify for more than one program — and I’ll help you choose the one that fits best.
5. What do I need to get pre-approved for a home loan?
I always say:
1. “Money” (paystubs)
2. “Money” (bank statements)
3. “Money” (some tax docs)
That’s usually enough to get going. I’ll guide you through every step.
What are closing costs, and how much are they?
They typically range from 3%–4.5% of the purchase price — plus any points you choose to pay for your interest
rate.
- Many are charged by third parties (like appraisers or insurance companies).
- Others are chosen by the seller, like title or escrow.
- Some are related to property taxes or recording fees.
I don’t set the fees — I just disclose them once those companies send them over. Example: A $400,000 home with 10% down may also require $16,000+ in closing costs — so your full cash outlay will be higher than just the down payment.
8. How long does the mortgage process take?
On average, 21–30 days — but I often close faster. I coordinate everything behind the scenes with escrow, title,
your agent, and the lender to keep things moving and eliminate surprises.
9. Can I get help with a down payment or closing costs?
Yes — I work with several programs that offer:
- Up to 100% financing
- Grants or deferred repayment assistance
- Flexible programs with no first-time buyer requirement
Let’s find out what you qualify for.
10. Why work with a mortgage broker instead of a bank?
As a licensed mortgage broker, I can shop the wholesale market on your behalf — banks can't, especially if you
understand wholesale vs. retail. Most retail lenders only offer their own products. It’s like trying to buy a Ford at a Chevy dealership.
The pricing and flexibility are often better on the wholesale side — and I’m here to find what works for you, not
what a bank wants to sell you.
Let’s Get You Home!
Call
(909) 227-1477 cell
Site
21st Century Lending