BRIAN WIESNER

MORTGAGE BROKER | NMLS 276531

Serving California, Arizona & Texas

Broker Associate with 21st Century Lending

Our Expertise

As a mortgage broker with over 25 years of experience, Brian Wiesner provides expert guidance to high-value homebuyers, retirees looking to access home equity, first-time homebuyers, and seasoned investors.

Brian primarily serves clients in Upland, Alta Loma, Rancho Cucamonga, North Fontana, Claremont, San Dimas, La Verne, Ontario, Fontana, Chino, Chino Hills, Victorville, Hesperia and Apple Valley. However, his clients and partnerships are throughout California, Arizona and Texas.

Our Loan Programs

Reverse Mortgage

  • Designed for homeowners age 62+ to access home equity without monthly payment. Some 55+ programs.

  • Can supplement retirement income or cover unexpected expenses.

  • You remain the homeowner and keep the title in your name.

  • No repayment required until the home is sold, refinanced, or you move out.

Traditional 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.

Jumbo Loans

  • For loan amount exceeding federal conforming loan limits, allowing borrowers to finance luxury or high-value properties.

  • Available for primary residences, second homes, and investment properties.

  • Loan amounts well into the millions of dollars, with down payment requirements and qualification standards that vary by lender, credit profile, property type, and occupancy.

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.

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.

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.

Manufactured / Mobile 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.

Reverse for Purchase

  • Allows eligible homebuyers age 62+ to purchase a home with a significant down payment and no required monthly mortgage payment.

  • Can help preserve retirement savings and investment assets by reducing the amount of cash needed to buy a home outright.

  • Available for primary residences.

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, HECM for Purchase

- Agency: Fannie Mae, Freddie Mac

- Non-government/private: Jumbo, Reverse, Bank Statement, Investor, DSCR, Self Employed, and more.

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!

All loans subject to approval. Equal Housing Lender.

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