# Mortgage Broker in Redondo Beach and South Bay > Expert mortgage guidance in Redondo Beach and South Bay since 1986. Call (310) 374-9000 for personalized loan solutions from CB Loans. This file is the full text corpus of the site for LLM ingestion. Each section below is one page, inlined verbatim. --- ## Mortgage Broker in Redondo Beach and South Bay | CB Loans Source: https://cbloans.com/ Expert mortgage guidance in Redondo Beach and South Bay since 1986. Call (310) 374-9000 for personalized loan solutions from CB Loans. ![Redondo Beach pier and the South Bay coastline in warm afternoon light](/images/photos/cb-loans-redondo-pier-coastline-01-hero.jpg) REDONDO BEACH, SOUTH BAY # South Bay mortgage expertise since 1986 With decades of local knowledge and access to multiple lenders, we invite South Bay residents to talk with us before making any commitments. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) 116 S. Catalina Ave · Redondo Beach DECADES OF TRUST ## Decades of South Bay mortgage expertise With decades of experience, a local Redondo Beach office, and access to many lenders, we offer personalized mortgage solutions for South Bay families. Since 1986 40 years serving the South Bay We are partnered with multiple lenders LOAN PROGRAM OPTIONS ## Programs for Unique Financial Needs Whether you're self-employed, an investor, or a senior, we offer tailored loan programs. Our experts are here to guide you through each option. [![General Loan Options for South Bay borrowers](/images/photos/cb-loans-general-loan-options-card.jpg) General Loan OptionsPurchase, refinance, and more. Personalized loan options to fit your unique situation.Loan Options details](/loan-options/)[![Reverse Mortgages for South Bay borrowers](/images/photos/cb-loans-reverse-mortgage-card.jpg) Reverse MortgagesFor homeowners 62-plus: turn your equity into income with no monthly mortgage payments.Reverse Mortgage details](/reverse-mortgage/)[![Standalone Second Mortgages for South Bay borrowers](/images/photos/cb-loans-standalone-2nd-mortgage-card.jpg) Standalone Second MortgagesPull cash without refinancing your locked-in first-mortgage rate.Standalone 2nd Mortgage details](/standalone-2nd-mortgage/)[![DSCR and No-Ratio Loans for South Bay borrowers](/images/photos/cb-loans-dscr-income-documentation.jpg) DSCR and No-Ratio LoansInvestors qualify based on property cash flow, not personal income.DSCR & No-Ratio Loans details](/dscr-no-ratio-loan/)[![Doctor Loans for South Bay borrowers](/images/photos/cb-loans-doctor-loans-card.jpg) Doctor LoansSpecial loan programs for doctors and physicians in the medical field.Doctor Loans details](/doctor-loans/)[![Bank Statement Loans for South Bay borrowers](/images/photos/cb-loans-bank-statement-thin-tax-returns-v2.jpg) Bank Statement LoansSelf-employed? Qualify with bank statements instead of W-2s.Bank Statement Loans details](/bank-statement-loans/) ![Craig Barton, Broker and Owner of CB Loans in Redondo Beach](/images/photos/craig-barton.jpg) WHY CB LOANS ## Know the real numbers before escrow falls apart. Craig Barton has been running the numbers for South Bay buyers from the same Redondo Beach office for decades. Unlike national banks that fit you into one box, we offer access to multiple lenders through our relationship with Loan Factory, Inc. (NMLS #320841). This local expertise makes a difference in high-value markets. For self-employed, first-time, or equity-rich borrowers, our familiarity with the South Bay's high-value coastal market is key. We understand the unique needs of these buyers and offer tailored solutions, providing the reassurance that your loan fits your situation without surprises. Craig Barton Broker / Owner · NMLS # 329813 ![Front porch of a Hermosa Beach home — CB Loans, South Bay California](/images/photos/cb-loans-hermosa-front-porch-01.jpg) THE PROCESS ## Start with a simple conversation today 01 ### Speak with Us Begin with a no-pressure talk to find your options. 02 ### Review Finances We'll look at your income, goals, and timeline together. 03 ### Compare Programs Access multiple lenders to find the right fit for you. 04 ### Secure Application Submit your application securely with Loan Factory, Inc. (NMLS #320841) support. 05 ### Guidance to Close Receive help through approval and closing, never alone. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Palos Verdes coastal bluffs with clifftop homes overlooking the ocean](/images/photos/cb-loans-palos-verdes-bluffs-01.jpg) AREAS WE SERVE ## Deep South Bay Mortgage Expertise Since 1986 From Redondo Beach to Palos Verdes, we know the unique character of each South Bay community. Whether it's a jumbo loan for a Palos Verdes estate or a condo in Redondo Beach, our team understands the diverse market dynamics that set these neighborhoods apart. As a Redondo Beach-based broker, we offer personalized service that national lenders can't match. Our local expertise means we tailor loans to your needs, not a one-size-fits-all formula. Discover how our community focus can benefit you by exploring the areas we serve. [Redondo Beach](/areas-we-serve/redondo-beach/)[Torrance](/areas-we-serve/torrance/)[Palos Verdes](/areas-we-serve/palos-verdes/)[Manhattan Beach](/areas-we-serve/manhattan-beach/)[Hermosa Beach](/areas-we-serve/hermosa-beach/)[El Segundo](/areas-we-serve/el-segundo/)[All areas](/areas-we-serve/) MORTGAGE TOOLS ## Estimate your numbers with our tools Use these tools to get a realistic picture, then discuss with our team for personalized guidance. [Mortgage CalculatorEstimate your full monthly payment — principal, interest, taxes, and insurance.](/mortgage-calculator/)[Rent vs. Buy CalculatorCompare the long-run cost of renting against owning in the South Bay.](/rent-vs-buy-calculator/)[The Bid GridSee what bidding over asking does to your monthly payment and cash to close.](/bid-over-asking-price/)[Reverse Mortgage CalculatorEstimate the proceeds a reverse mortgage could unlock from your home equity.](/reverse-mortgage-calculator/)[Refinance AdvisorSee whether a refinance moves your payment in the right direction.](/refinance-advisor/) CLIENT REVIEWS ## Our South Bay clients share their experiences Read verified Google reviews from real South Bay clients who have worked with Craig Barton and his team over the years. > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google > “ Craig did a great job with our refinance ” Chris Light · Google > “ You made the loan process easy and effective ” Nick Taggart · Google > “ They are very professional, attentive and creative ” Theng-Theng Fong · Google [See all CB Loans reviews](/reviews/) LOCAL ROOTS ## Deeply Connected to South Bay Community CB Loans takes pride in being a local South Bay operation. We're committed to supporting our community and are in the process of confirming our involvement with local organizations. Our goal is to foster positive growth and connections. [See our community involvement](/community/) MARKET UPDATES ## South Bay housing and mortgage insights Stay informed with Craig's regular updates, helping you make informed decisions in the dynamic housing market. Fresh South Bay market notes are published here regularly. Craig posts updates roughly twice a week. [Visit Market Updates](/news/) READY TO START ## Connect with us by call or application. Give us a call to discuss your options. No pressure, just friendly advice from our experienced team. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## About CB Loans | Redondo Beach South Bay Mortgage Broker Source: https://cbloans.com/about-us/ Decades of South Bay mortgage expertise with Craig Barton, Broker/Owner. Contact us at (310) 374-9000 for personalized guidance since 1986. ![Redondo office building — CB Loans, South Bay California](/images/photos/cb-loans-redondo-office-building-01.jpg) OUR STORY # Decades of South Bay Mortgage Expertise A real Redondo Beach brokerage guiding South Bay borrowers for decades. Our story ## Our History Since 1986 01 ### Since 1986 CB Loans has operated in the South Bay since 1986, through many market cycles. Located on Catalina Avenue, our earned credibility comes from years of consistent service. 02 ### Decades of experience Decades of experience means knowing which programs suit different situations, and understanding how rates and markets evolve. We've seen it all. ![Craig Barton, Broker and Owner of CB Loans](/images/photos/craig-barton.jpg) Leadership ## Craig Barton: Leading with Experience Craig Barton, Broker/Owner of CB Loans, has guided South Bay buyers and homeowners for decades from our Redondo Beach office. His credibility is built on relationships. NMLS 329813. His plain, knowledgeable style has clients returning and referring others over the years. Craig Barton Broker / Owner · NMLS # 329813 ![The South Bay coastline near Redondo Beach](/images/photos/cb-loans-redondo-pier-coastline-02.jpg) South Bay roots ## South Bay Roots and Approach Our local, knowledgeable, family-operation approach understands both coastal and inland South Bay markets. We are approachable and educational, serving first-timers and self-employed borrowers, not just luxury buyers. The relationship ## CB Loans and Loan Factory Connection CB Loans, based in Redondo Beach, is your customer-facing brokerage. Through our relationship with Loan Factory, Inc. (NMLS #320841), we offer access to multiple lenders and loan programs. CB Loans and Loan Factory operate as distinct entities. ![CB Loans](/images/logo.png) ![Loan Factory](/images/loan-factory-logo.jpg) CB Loans serves as the local brokerage on Catalina Avenue. With Loan Factory, Inc. (NMLS #320841), we connect you to various lenders and loan options. While closely connected, CB Loans and Loan Factory remain separate entities. The team ## Meet Our Team Meet the CB Loans team. Our directory distinguishes CB Loans loan officers from Loan Factory, Inc. (NMLS #320841) officers. We're growing our roster. CB Loans Loan Officers ![Anna Conway, Loan Officer at CB Loans](/images/photos/anna-conway.jpg) Anna Conway Loan Officer ![Sandy Deery, Loan Officer at CB Loans](/images/photos/sandy-deery.jpg) Sandy Deery Loan Officer NMLS # 388834 ![Anita Smith, Loan Officer at CB Loans](/images/photos/anita-smith.jpg) Anita Smith Loan Officer ![Dan Spitz, Loan Officer at CB Loans](/images/photos/dan-spitz.jpg) Dan Spitz Loan Officer Loan Factory Loan Officers [![Michael Gonzalez, Loan Officer at CB Loans](/images/photos/michael-gonzalez.jpg)Michael GonzalezLoan OfficerNMLS # 2041069View profile](https://www.loanfactory.com/Michaelgonzalez)[![Casey Perkinson, Loan Officer at CB Loans](/images/photos/casey-perkinson.jpg)Casey PerkinsonLoan OfficerNMLS # 1919555View profile](https://www.loanfactory.com/Caseyperkinson)[![Jennifer Cho, Loan Officer at CB Loans](/images/photos/jennifer-cho.jpg)Jennifer ChoLoan OfficerNMLS # 237164View profile](https://www.loanfactory.com/jennifercho)[![Enrique Duarte, Loan Officer at CB Loans](/images/photos/enrique-duarte.jpg)Enrique DuarteLoan OfficerNMLS # 1723556View profile](https://www.loanfactory.com/Enriqueduarte)[![Trey Alexander, Loan Officer at CB Loans](/images/photos/trey-alexander.jpg)Trey AlexanderLoan OfficerNMLS # 442965View profile](https://www.loanfactory.com/Treyalexander)[![Terry Marvin, Loan Officer at CB Loans](/images/photos/terry-marvin.jpg)Terry MarvinLoan OfficerNMLS # 2095803View profile](https://www.loanfactory.com/tmarvin)[![Mark Wayner, Loan Officer at CB Loans](/images/photos/mark-wayner.jpg)Mark WaynerLoan OfficerNMLS # 2779999View profile](https://www.loanfactory.com/markwayner)[![Arian Saadzoi, Loan Officer at CB Loans](/images/photos/arian-saadzoi.jpg)Arian SaadzoiLoan OfficerNMLS # 2472799View profile](https://www.loanfactory.com/ariansaadzoi)[![Bridgette Mooney, Loan Officer at CB Loans](/images/photos/bridgette-mooney.jpg)Bridgette MooneyLoan OfficerNMLS # 1471130View profile](https://www.loanfactory.com/beemooney)[![Dave Hanks, Loan Officer at CB Loans](/images/photos/dave-hanks.jpg)Dave HanksLoan OfficerNMLS # 352844View profile](https://www.loanfactory.com/davehanks)[![David Yoffe, Loan Officer at CB Loans](/images/photos/david-yoffe.jpg)David YoffeLoan OfficerNMLS # 2019279View profile](https://www.loanfactory.com/davidyoffe)[![Geoff Jaime, Loan Officer at CB Loans](/images/photos/geoff-jaime.jpg)Geoff JaimeLoan OfficerNMLS # 1990345View profile](https://www.loanfactory.com/geoffjaime)[![Marc Carithers, Loan Officer at CB Loans](/images/photos/marc-carithers.jpg)Marc CarithersLoan OfficerNMLS # 2413043View profile](https://www.loanfactory.com/marccarithers)[![Scott Galbraith, Loan Officer at CB Loans](/images/photos/scott-galbraith.jpg)Scott GalbraithLoan OfficerNMLS # 2796709View profile](https://www.loanfactory.com/scottyg) Our loan-officer roster is growing. CB Loans loan officers and Loan Factory, Inc. (NMLS #320841) loan officers are listed separately above. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Talk it through ## Work with a broker who has been here for decades Call [(310) 374-9000](tel:+13103749000) to talk with the CB Loans team, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Areas We Serve | South Bay Mortgage Broker, CB Loans Source: https://cbloans.com/areas-we-serve/ Serving Redondo Beach and 16 South Bay communities, CB Loans offers local mortgage expertise. Call (310) 374-9000 for guidance since 1986. ![Redondo pier coastline — CB Loans, South Bay California](/images/photos/cb-loans-redondo-pier-coastline-01.jpg) AREAS WE SERVE # Serving South Bay and LA Coast Our coverage extends from Redondo Beach across the South Bay and nearby LA coastal communities. ![South Bay coastline and Palos Verdes bluffs](/images/photos/cb-loans-palos-verdes-bluffs-01.jpg) Where we work ## Communities We Know Located in Redondo Beach, our team offers firsthand knowledge of the coastal and inland South Bay, plus nearby LA communities. Each community has its unique market character. Explore jumbo options on the coast or diverse ranges inland. Communities ## Explore Our Communities Select your community to discover local programs and market insights. Core South Bay [![Redondo Beach, South Bay](/images/photos/cb-loans-redondo-beach-first.jpg) Mortgage broker in Redondo Beach](/areas-we-serve/redondo-beach/)[![Torrance, South Bay](/images/photos/cb-loans-torrance-first.jpg) Mortgage broker in Torrance](/areas-we-serve/torrance/)[![Palos Verdes, South Bay](/images/photos/cb-loans-palos-verdes-first.jpg) Mortgage broker in Palos Verdes](/areas-we-serve/palos-verdes/)[![Manhattan Beach, South Bay](/images/photos/cb-loans-manhattan-beach-first.jpg) Mortgage broker in Manhattan Beach](/areas-we-serve/manhattan-beach/)[![Hermosa Beach, South Bay](/images/photos/cb-loans-hermosa-beach-first.jpg) Mortgage broker in Hermosa Beach](/areas-we-serve/hermosa-beach/)[![El Segundo, South Bay](/images/photos/cb-loans-el-segundo-mortgage-broker.jpg) Mortgage broker in El Segundo](/areas-we-serve/el-segundo/) Near South Bay [![Gardena, South Bay](/images/photos/cb-loans-manhattan-beach-street-02.jpg) Mortgage broker in Gardena](/areas-we-serve/gardena/)[![Hawthorne, South Bay](/images/photos/cb-loans-hawthorne-first.jpg) Mortgage broker in Hawthorne](/areas-we-serve/hawthorne/)[![Carson, South Bay](/images/photos/cb-loans-carson-first.jpg) Mortgage broker in Carson](/areas-we-serve/carson/)[![Long Beach, South Bay](/images/photos/cb-loans-long-beach-first.jpg) Mortgage broker in Long Beach](/areas-we-serve/long-beach/)[![Marina del Rey, South Bay](/images/photos/cb-loans-marina-del-rey-mortgage-broker.jpg) Mortgage broker in Marina del Rey](/areas-we-serve/marina-del-rey/)[![Playa del Rey, South Bay](/images/photos/cb-loans-playa-del-rey-mortgage-broker.jpg) Mortgage broker in Playa del Rey](/areas-we-serve/playa-del-rey/) LA Coastal + West [![Santa Monica, South Bay](/images/photos/cb-loans-santa-monica-first.jpg) Mortgage broker in Santa Monica](/areas-we-serve/santa-monica/)[![Venice, South Bay](/images/photos/cb-loans-venice-mortgage-broker.jpg) Mortgage broker in Venice](/areas-we-serve/venice/)[![Beverly Hills, South Bay](/images/photos/cb-loans-coastal-home-exterior-02.jpg) Mortgage broker in Beverly Hills](/areas-we-serve/beverly-hills/)[![Los Angeles, South Bay](/images/photos/cb-loans-los-angeles-first.jpg) Mortgage broker in Los Angeles](/areas-we-serve/los-angeles/) Why local matters ## Local Expertise Counts A broker familiar with your streets and values provides more personalized service than a national lender's one-size-fits-all approach. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Talk it through ## Find your community, then talk to a local broker Call to talk through your situation, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Bank Statement Loans in Los Angeles | CB Loans South Bay Source: https://cbloans.com/bank-statement-loans/ Bank statement loans tailored for self-employed South Bay borrowers who qualify on deposits, not tax returns. Call (310) 374-9000 for guidance. ![Bank statement why choose — CB Loans, South Bay California](/images/photos/cb-loans-bank-statement-why-choose.jpg) BANK STATEMENT LOANS SOUTH BAY # Flexible Loan Options for Self-Employed Borrowers Helps business owners in South Bay with strong deposits, not W-2s. ![Bank Statement Loans in the South Bay](/images/photos/cb-loans-bank-statement-thin-tax-returns-v2.jpg) The situation ## Worried About Thin Tax Returns? Being self-employed can mean low reported income due to necessary write-offs. You might feel stuck without a viable loan option. Bank statement loans offer a solution, letting you qualify with bank statements or full-doc, easing your concerns. How it works ## How Bank Statement Loans Work Understand the simple steps to qualify with bank statements. 01 ### Collect Bank Statements Gather 12 or 24 months of bank statements to demonstrate your cash flow. 02 ### Find the Right Program Match your bank statements with a suitable loan program. 03 ### Apply and Close Loan Proceed to application and closing without needing W-2s or tax returns. Who it fits ## Who Qualifies for This Program Check if you meet these eligibility requirements. - Self-employed business owner or consultant. - Good cash flow but high write-offs. - Able to provide 12-24 months of statements. - Real estate investor with strong property cash flow. - Desires a knowledgeable local guide. Key details ## Common questions ### What is a bank statement loan? ### How many months of bank statements do I need? ### Can I qualify if my tax returns show low income? ### Who should consider a bank statement loan? ### How do I get started with CB Loans? ![CB Loans guidance for bank statement loans](/images/photos/cb-loans-bank-statement-why-choose-v2.jpg) Why CB Loans ## Why Choose CB Loans Craig Barton leads our Redondo Beach office. We offer multi-lender access through our Loan Factory partnership (Loan Factory, Inc., NMLS #320841). Decades of local South Bay experience make us your trusted partner. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Nearby + related ## Areas and related programs [Mortgage broker in Hermosa BeachLocal market knowledge for this community.](/areas-we-serve/hermosa-beach/)[Mortgage broker in Redondo BeachLocal market knowledge for this community.](/areas-we-serve/redondo-beach/)[Mortgage broker in El SegundoLocal market knowledge for this community.](/areas-we-serve/el-segundo/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/)[Doctor LoansDoctor Loans](/doctor-loans/) Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Talk it through ## Ready to look at bank statement loans? Call [(310) 374-9000](tel:+13103749000) to see whether this fits your situation, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## The Bid Grid: Over-Asking Tool | CB Loans South Bay Source: https://cbloans.com/bid-over-asking-price/ See what bidding over asking price does to your monthly payment and cash to close with The Bid Grid from CB Loans. Call (310) 374-9000. ![Hermosa beach second — CB Loans, South Bay California](/images/photos/cb-loans-hermosa-beach-second.jpg) Tools # The Bid Grid See what bidding over asking does to your numbers. How to use it ## Map your over-asking scenarios In a competitive market, bidding over asking often adds only a modest amount to your monthly payment. This grid maps each over-asking bid to a monthly payment and the cash you would bring to closing. List (asking) price $ Down payment % Interest rate % Loan term 30 years 20 years 15 years Closing costs % Estimated buyer closing costs as a % of price. Over-asking bid scenarios showing bid amount, resulting monthly payment, and cash to close. Over asking Bid price Loan amount Monthly P&I + / mo vs asking Cash to close At asking $950,000 $760,000 $4,804 — $209,000 +$10,000 $960,000 $768,000 $4,854 +$51 $211,200 +$20,000 $970,000 $776,000 $4,905 +$101 $213,400 +$30,000 $980,000 $784,000 $4,955 +$152 $215,600 +$40,000 $990,000 $792,000 $5,006 +$202 $217,800 +$50,000 $1,000,000 $800,000 $5,057 +$253 $220,000 +$75,000 $1,025,000 $820,000 $5,183 +$379 $225,500 +$100,000 $1,050,000 $840,000 $5,309 +$506 $231,000 Bidding over asking spreads across a 30-year loan — a larger bid often adds only a modest amount to your monthly payment, but it does raise the cash you bring to closing. Estimates for illustration only — not a loan offer or commitment. Contact CB Loans at [(310) 374-9000](tel:+13103749000) for a personalized quote. More tools ## Other calculators [Mortgage CalculatorEstimate your full monthly payment — principal, interest, taxes, and insurance.](/mortgage-calculator/)[Rent vs. Buy CalculatorCompare the long-run cost of renting against owning in the South Bay.](/rent-vs-buy-calculator/)[Reverse Mortgage CalculatorEstimate the proceeds a reverse mortgage could unlock from your home equity.](/reverse-mortgage-calculator/)[Refinance AdvisorSee whether a refinance moves your payment in the right direction.](/refinance-advisor/) Talk it through ## Numbers looking close? Let us confirm them Call [(310) 374-9000](tel:+13103749000) to talk through the real picture, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Community Involvement | CB Loans Redondo Beach South Bay Source: https://cbloans.com/community/ Learn about CB Loans' involvement in the South Bay community. We're here to support local initiatives. Call (310) 374-9000. ![Hermosa front porch — CB Loans, South Bay California](/images/photos/cb-loans-hermosa-front-porch-01.jpg) LOCAL ROOTS # Proudly Serving the South Bay Community We're a genuine part of the South Bay, not an outsider. Local organizations ## Organizations & Businesses We Work With Being local means showing up for the people and organizations that make the South Bay what it is. Here are two groups CB Loans is proud to work with. South Bay Wheelmen Cycling club One of Southern California’s longest-running cycling clubs, the South Bay Wheelmen promote road, track, and time-trial cycling for riders of every level — from juniors to masters competitors. Founded by cycling icon Ted Ernst, the club hosts signature local events like the historic Manhattan Beach Grand Prix and the Ernst Time Trial series, and builds a close-knit community through organized rides, training, and racing across the South Bay. [Visit South Bay Wheelmen→](https://southbaywheelmen.org/) Ironfly Web solutions · Redondo Beach A family-owned web solutions company based right here in Redondo Beach since 1998, Ironfly builds and cares for websites through custom web development, managed WordPress hosting, SEO, and site-speed optimization. They pair hands-on, personal support with work for clients across the South Bay and around the world — a local team with a genuinely global reach. [Visit Ironfly→](https://ironfly.com/) ![The South Bay community near Redondo Beach](/images/photos/cb-loans-palos-verdes-bluffs-02.jpg) Why it matters ## Why Local Community Matters Being a local broker means we're part of the South Bay community. Our investment is in you, not just the transaction. Talk it through ## Work with a broker who is part of the South Bay Call [(310) 374-9000](tel:+13103749000) to talk through your situation, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Contact CB Loans | Redondo Beach South Bay Mortgage Broker Source: https://cbloans.com/contact-us/ Reach CB Loans in Redondo Beach. Call (310) 374-9000 or send a message for personalized South Bay mortgage assistance from Craig Barton. ![Redondo office building — CB Loans, South Bay California](/images/photos/cb-loans-redondo-office-building-01.jpg) CONTACT US # Reach Out to Our Team Today Talk to a real person at our Redondo Beach office. Two ways to start ## Two Ways to Get Started Call us to discuss your needs or apply online when you're ready. Both connect you directly with our team. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Send a message ## Send Us a Message Describe your situation in a message. Our team will get back to you. No need for financial details now. Visit the office ## Visit or Contact Our Office Our Redondo Beach office welcomes you. We're also available by appointment evenings and weekends. Office [116 S. Catalina Avenue, Suite 111, Redondo Beach, CA 90277](https://www.google.com/maps/search/?api=1&query=116%20S.%20Catalina%20Avenue%2C%20Suite%20111%2C%20Redondo%20Beach%2C%20CA%2090277) Phone [(310) 374-9000](tel:+13103749000) Email [craig@cbloans.com](mailto:craig@cbloans.com) Hours Mon-Fri, 9:00 a.m. to 4:00 p.m. Evenings and weekends by appointment. What happens next ## After You Reach Out to Us Here's what you can expect after contacting us. 01 ### We receive your message Our team promptly receives your message or call, ready to assist. 02 ### Discuss your situation We'll talk through your unique situation together. 03 ### Receive honest guidance Count on us for honest guidance on your next steps. Reach out ## Talk to a real person at the Redondo Beach office Call [(310) 374-9000](tel:+13103749000), send a message, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Doctor and Physician Loans in California | CB Loans Source: https://cbloans.com/doctor-loans/ Specialized doctor and physician loan programs for medical professionals across California. Contact (310) 374-9000 for personalized guidance. ![Doctor physician loan — CB Loans, South Bay California](/images/photos/cb-loans-doctor-physician-loan-hero.jpg) SOUTH BAY DOCTOR LOANS # Doctor and Physician Loan Programs for You Designed for medical professionals with student debt, ensuring a secure future locally. ![Doctor Loans in the South Bay](/images/photos/cb-loans-doctor-loans.jpg) The situation ## Worried About Student Debt? Starting your medical career with student debt feels overwhelming. How can you secure a home loan with this burden? Our doctor loan program offers solutions by focusing on your future income, not just current debt. How it works ## How This Program Works Here's how we simplify the process for medical professionals. 01 ### Review Your Financials Assess future income and student debt to understand your financial situation. 02 ### Find the Right Loan Select a loan program tailored to your professional needs. 03 ### Application and Closing Proceed with application and closing with local expert guidance. Who it fits ## Who Qualifies for This Program See if you're eligible for our doctor loan. - Medical professionals with student debt. - Those early in their careers. - Individuals with strong future income. - Need flexible loan qualifications. - Desire a knowledgeable local guide. Key details ## Common questions ### What is a doctor or physician loan? ### How does a physician loan differ from a regular mortgage? ### Can doctors with student debt qualify? ### Is a doctor loan available for South Bay homes? ### How do I get started with a doctor loan? ![CB Loans guidance for doctor loans](/images/photos/cb-loans-doctor-why-choose.jpg) Why CB Loans ## Why Choose CB Loans Craig Barton leads our Redondo Beach office. We offer multi-lender access through our Loan Factory partnership (Loan Factory, Inc., NMLS #320841). We've spent decades helping medical professionals secure loans tailored to their unique needs. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Nearby + related ## Areas and related programs [Mortgage broker in Manhattan BeachLocal market knowledge for this community.](/areas-we-serve/manhattan-beach/)[Mortgage broker in El SegundoLocal market knowledge for this community.](/areas-we-serve/el-segundo/)[Mortgage broker in Hermosa BeachLocal market knowledge for this community.](/areas-we-serve/hermosa-beach/)[Bank Statement LoansBank Statement Loans](/bank-statement-loans/)[General Loan OptionsLoan Options](/loan-options/) Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Talk it through ## Ready to look at doctor loans? Call [(310) 374-9000](tel:+13103749000) to see whether this fits your situation, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## DSCR and No-Ratio Loans in California | CB Loans South Bay Source: https://cbloans.com/dscr-no-ratio-loan/ DSCR and no-ratio loans for California real estate investors qualifying on property cash flow, not personal income. Reach us at (310) 374-9000. ![DSCR no ratio loans — CB Loans, South Bay California](/images/photos/cb-loans-dscr-no-ratio-loans.jpg) DSCR AND NO-RATIO LOANS # Flexible Financing for South Bay Investors Designed for investors who qualify based on property cash flow. ![DSCR and No-Ratio Loans in the South Bay](/images/photos/cb-loans-dscr-income-documentation.jpg) The situation ## Worried About Income Documentation? As an investor, traditional loans requiring personal income or tax returns can be limiting. You may wonder how to qualify without these documents. With DSCR and no-ratio loans, we focus on the property's cash flow, letting you qualify without personal income verification. How it works ## Steps to Secure Your Loan Here's how you can get started with ease. 01 ### Evaluate Property Income Review income and expenses to understand the property's cash flow. 02 ### Select Suitable Loan Structure Choose a DSCR or no-ratio plan that fits your needs. 03 ### Finalize Based on Performance Close the loan based on property performance, not personal income. Who it fits ## Ideal Candidates for These Loans Check if you meet the following eligibility criteria. - Property generates sufficient cash flow. - Prefer not to use tax returns. - Seek flexible qualification options. - Investing in South Bay real estate. - Wants a knowledgeable local guide. Key details ## Common questions ### What are the requirements for a DSCR loan? ### How much down payment is typically involved? ### How do I get a DSCR loan? ### What are the pros and cons of a DSCR loan? ### No-ratio options and getting started with them? ![CB Loans guidance for dscr and no-ratio loans](/images/photos/cb-loans-dscr-why-choose.jpg) Why CB Loans ## Why Choose CB Loans? Craig Barton leads our Redondo Beach office. We offer multi-lender access through our Loan Factory partnership (Loan Factory, Inc., NMLS #320841). Benefit from decades of local experience with investors like you. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Nearby + related ## Areas and related programs [Mortgage broker in Long BeachLocal market knowledge for this community.](/areas-we-serve/long-beach/)[Mortgage broker in CarsonLocal market knowledge for this community.](/areas-we-serve/carson/)[Mortgage broker in Los AngelesLocal market knowledge for this community.](/areas-we-serve/los-angeles/)[Bank Statement LoansBank Statement Loans](/bank-statement-loans/)[Standalone Second MortgagesStandalone 2nd Mortgage](/standalone-2nd-mortgage/) Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Talk it through ## Ready to look at dscr & no-ratio loans? Call [(310) 374-9000](tel:+13103749000) to see whether this fits your situation, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Apply for a Loan | CB Loans Redondo Beach Mortgage Broker Source: https://cbloans.com/loan-application/ Start your loan application with CB Loans through the secure Loan Factory portal, or call (310) 374-9000 for personalized South Bay assistance. ![Coastal home exterior — CB Loans, South Bay California](/images/photos/cb-loans-coastal-home-exterior-01.jpg) START YOUR APPLICATION # Apply for Your Mortgage, No Rush Apply securely online, or call us first to see if it's worth your while. Two ways to start ## Two Ways to Begin Start the secure Loan Factory, Inc. (NMLS #320841) application online, or give us a call first. No pressure, just options. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Craig’s short intro video will appear here once it is recorded. The steps ## The Application Process Here's how your application journey unfolds step by step. 01 ### Talk with Our Team Start by discussing your needs with our friendly team. 02 ### Gather Required Documents Collect necessary documents to support your loan application. 03 ### Complete Secure Loan Application Fill out the Loan Factory, Inc. (NMLS #320841) application securely online. 04 ### Submit Your Application Finalize and submit your application for review. After you apply ## What to Expect Next Find out what steps follow your application for peace of mind. 01 ### Review and Initial Contact Our team reviews your application and contacts you promptly. 02 ### Compare Loan Options Compare loan programs to find a program that fits your needs. 03 ### Guidance Through Closing Receive expert guidance through approval and closing stages. ![The CB Loans office area in Redondo Beach](/images/photos/cb-loans-redondo-office-building-01.jpg) Why apply here ## Why Choose CB Loans Applying through CB Loans means Craig Barton guides you and connects you to multiple lenders, not just an anonymous portal. Our team supports you from the initial application all the way through to closing, ensuring a smooth process. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Start when ready ## Apply online, or call first Call [(310) 374-9000](tel:+13103749000) to talk it through, or apply now through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Loan Options in the South Bay | CB Loans Redondo Beach Source: https://cbloans.com/loan-options/ Explore diverse mortgage loan options for South Bay buyers and homeowners with CB Loans. Call (310) 374-9000 for personalized guidance. ![Coastal home exterior — CB Loans, South Bay California](/images/photos/cb-loans-coastal-home-exterior-02.jpg) SOUTH BAY LOAN OPTIONS # Find the Right Loan for You Homebuyers and refinancers: benefit from local South Bay expertise and personalized loan options. ![General Loan Options in the South Bay](/images/photos/cb-loans-loan-options-choosing-wrong.jpg) The situation ## Worried About Choosing the Wrong Loan? You want a home loan that fits your unique needs, but with so many options, it's hard to know where to start. At CB Loans, we will personalize a loan for your situation, ensuring you feel confident and secure in your choice. How it works ## How Our Process Works Follow these simple steps to secure your ideal loan. 01 ### Discuss Your Goals Talk through your situation and goals with our experienced team. 02 ### Compare Loan Options We compare programs from multiple lenders to find your fit. 03 ### Apply and Close Apply securely and receive guidance through to closing. Who it fits ## Who Qualifies for These Loans Check if you meet the criteria below. - Looking to purchase a new home. - Considering refinancing to a better rate. - Interested in fixed-rate stability. - Eligible for FHA or VA benefits. - Wants a knowledgeable local guide. Key details ## Common questions ### Which loan program fits my situation? ### What is the Loan Factory relationship? ### Do you help first-time buyers in South Bay? ### What sets local brokers apart from banks? ### How do I get started with CB Loans? ![CB Loans guidance for general loan options](/images/photos/cb-loans-coastal-home-exterior-01.jpg) Why CB Loans ## Why Choose CB Loans Craig Barton leads our Redondo Beach office. We offer multi-lender access through our Loan Factory partnership (Loan Factory, Inc., NMLS #320841). Decades of local experience ensure we understand the needs of South Bay borrowers like you. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Nearby + related ## Areas and related programs [Mortgage broker in Redondo BeachLocal market knowledge for this community.](/areas-we-serve/redondo-beach/)[Mortgage broker in TorranceLocal market knowledge for this community.](/areas-we-serve/torrance/)[Mortgage broker in Manhattan BeachLocal market knowledge for this community.](/areas-we-serve/manhattan-beach/)[Reverse MortgagesReverse Mortgage](/reverse-mortgage/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/)[Bank Statement LoansBank Statement Loans](/bank-statement-loans/) Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Talk it through ## Ready to look at loan options? Call [(310) 374-9000](tel:+13103749000) to see whether this fits your situation, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Calculator Redondo Beach | CB Loans South Bay Source: https://cbloans.com/mortgage-calculator/ Estimate your monthly mortgage payment and full PITI breakdown with our free South Bay mortgage calculator. Call CB Loans at (310) 374-9000. ![Coastal home exterior — CB Loans, South Bay California](/images/photos/cb-loans-coastal-home-exterior-02.jpg) Tools # Mortgage Calculator Estimate your monthly payment and full PITI breakdown. How to use it ## Estimate your monthly payment Enter a home price, down payment, rate, and term to see your monthly principal and interest plus taxes, insurance, HOA, and PMI. Rates are yours to enter — talk with our team to confirm real numbers. Home price $ Down payment % Down payment ($) $ Loan type Conventional FHA VA USDA Jumbo Property type Single Family Residence Condominium Townhouse Multi-Family (2–4 units) Manufactured Occupancy Owner Occupied Second Home Investment Credit score (FICO) 780+ (Exceptional) 760 – 779 (Very Good) 740 – 759 (Very Good) 720 – 739 (Good) 700 – 719 (Good) 680 – 699 (Fair) 660 – 679 (Fair) 640 – 659 (Below average) 620 – 639 (Below average) Under 620 (Poor) Loan term 30-Yr Fixed 20-Yr Fixed 15-Yr Fixed 10-Yr Fixed Interest rate % Your rate is an input — enter a quote from any lender. Property tax (annual) $ Home insurance (annual) $ HOA (monthly) $ PMI rate (annual, if <20% down) % Not applied — 20% or more down. Estimated monthly payment (PITI) $5,227 Principal & interest $4,298 Property tax $779 Home insurance $150 Total monthly payment $5,227 Loan amount $680,000 Loan-to-value (LTV) 80% Down payment $170,000 Total interest over term $867,303 Qualification Enter your income to see your estimated debt-to-income (DTI) ratio. Pre-tax monthly income $ Other monthly debts $ Car, student, card minimums — not housing. Debt-to-income (DTI) ratio 42% Likely qualifies Most conventional programs look for a DTI at or under 43%. This is a guide, not a decision — programs and compensating factors vary. Estimates for illustration only — not a loan offer or commitment. Contact CB Loans at [(310) 374-9000](tel:+13103749000) for a personalized quote. More tools ## Other calculators [Rent vs. Buy CalculatorCompare the long-run cost of renting against owning in the South Bay.](/rent-vs-buy-calculator/)[The Bid GridSee what bidding over asking does to your monthly payment and cash to close.](/bid-over-asking-price/)[Reverse Mortgage CalculatorEstimate the proceeds a reverse mortgage could unlock from your home equity.](/reverse-mortgage-calculator/)[Refinance AdvisorSee whether a refinance moves your payment in the right direction.](/refinance-advisor/) Talk it through ## Numbers looking close? Let us confirm them Call [(310) 374-9000](tel:+13103749000) to talk through the real picture, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Market Updates | CB Loans South Bay Mortgage Broker Source: https://cbloans.com/news/ Stay informed with South Bay housing and mortgage market updates from CB Loans, drawn from the reports Craig follows. Call (310) 374-9000. ![Manhattan beach street — CB Loans, South Bay California](/images/photos/cb-loans-manhattan-beach-street-03.jpg) MARKET UPDATES # South Bay Housing and Mortgage Insights Timely notes on rates, home sales, and the economy to guide your decisions. Latest ## Latest Market Updates Concise reads on the housing and mortgage data that shape South Bay decisions, drawn from the reports Craig follows each week. December 24, 2024 ## [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 24, 2024 ## [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 12, 2024 ## [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) June 6, 2024 ## [How to Save Money Over the Life of Your Loan](/news/how-to-save-money-over-the-life-of-your-loan/) A little extra income each month can go a long way. Extra principal payments reduce total interest paid and shorten your path to full ownership. [Read the update→](/news/how-to-save-money-over-the-life-of-your-loan/) May 29, 2024 ## [FHFA House Price Index (1Q 2024)](/news/fhfa-house-price-index-1q-2024/) U.S. house prices rose 6.6 percent between the first quarter of 2023 and the first quarter of 2024, with strong growth seen across the country. [Read the update→](/news/fhfa-house-price-index-1q-2024/) May 13, 2024 ## [BLS Jobs Report (April 2024)](/news/bls-jobs-report-april-2024/) April's job growth missed estimates, and downward revisions plus a higher unemployment rate suggested softening in the labor sector. [Read the update→](/news/bls-jobs-report-april-2024/) April 29, 2024 ## [Personal Consumption Expenditures (March 2024)](/news/personal-consumption-expenditures-march-2024/) Progress toward the Fed's 2% inflation target continues to stall, as the Fed's favored measure, annual Core PCE, remained at 2.8%. [Read the update→](/news/personal-consumption-expenditures-march-2024/) April 22, 2024 ## [Existing Home Sales (March 2024)](/news/existing-home-sales-march-2024/) After hitting their highest level in a year in February, sales of existing homes slipped 4.3% in March, yet demand still ran ahead of the spring season. [Read the update→](/news/existing-home-sales-march-2024/) April 17, 2024 ## [Consumer Price Index (March 2024)](/news/consumer-price-index-march-2024/) Inflation was hotter than expected in March, as rising energy and shelter costs added to pricing pressure and clouded the Fed's rate-cut timing. [Read the update→](/news/consumer-price-index-march-2024/) April 8, 2024 ## [BLS Jobs Report (March 2024)](/news/bls-jobs-report-march-2024/) March's job growth roared in above forecasts, though a deeper look at the numbers showed some weakness beneath the headline gains. [Read the update→](/news/bls-jobs-report-march-2024/) Talk it through ## Wondering what the market means for you? Call [(310) 374-9000](tel:+13103749000) to talk it through, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Refinance Advisor Tool | CB Loans South Bay Broker Source: https://cbloans.com/refinance-advisor/ Use our free refinance advisor tool to explore your South Bay options. Personalized help is just a call away at CB Loans, (310) 374-9000. ![Coastal home exterior — CB Loans, South Bay California](/images/photos/cb-loans-coastal-home-exterior-03.jpg) Tools # Free Refinance Advisor Tool See if refinancing can improve your payment. How it works ## Four quick steps to your refinance options Answer a few quick questions about your property, your current loan, and your goals. The more you share, the better we can narrow down your refinance options — it's quick, easy, and there's zero obligation. - Quick 30-second form - No Social Security Number - No credit check - Zero obligation - 1Property & Loan - 2Borrower - 3Credit History - 4Contact ### Step 1 of 4: Property & Loan Property ZIP code Type of home Single Family Condominium Multi Family Credit profile Excellent Good Fair Poor Reason for refinancing Lower monthly payment Cash out Reverse mortgage Mortgages being refinanced First mortgage only First and second mortgages Existing mortgage Current interest rate Lower than 3.5% 3.5% – 4% 4% – 4.5% 4.5% – 5% 5% – 5.5% 5.5% – 6% 6% – 6.5% 6.5% – 7% Higher Current loan program Fixed Adjustable Other Not sure Estimated property value Less than 400k 400k – 500k 500k – 600k 600k – 700k 700k – 800k 800k – 900k 900k – 1M 1M – 1.25M 1.25M – 1.5M 1.5M – 1.75M 1.75M – 2M 2M+ Current loan balance Less than 300k 300k – 400k 400k – 500k 500k – 600k 600k – 700k 700k – 800k 800k – 900k 900k – 1M 1M – 1.25M 1.25M – 1.5M 1.5M – 2M 2M+ How long will you keep the property? Less than a year 1 – 5 years 6 – 10 years 10+ years Back 1 / 4 Next More tools ## Other calculators [Mortgage CalculatorEstimate your full monthly payment — principal, interest, taxes, and insurance.](/mortgage-calculator/)[Rent vs. Buy CalculatorCompare the long-run cost of renting against owning in the South Bay.](/rent-vs-buy-calculator/)[The Bid GridSee what bidding over asking does to your monthly payment and cash to close.](/bid-over-asking-price/)[Reverse Mortgage CalculatorEstimate the proceeds a reverse mortgage could unlock from your home equity.](/reverse-mortgage-calculator/) Talk it through ## Numbers looking close? Let us confirm them Call [(310) 374-9000](tel:+13103749000) to talk through the real picture, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Rent vs. Buy Calculator | CB Loans South Bay Broker Source: https://cbloans.com/rent-vs-buy-calculator/ Compare renting and buying in the South Bay with our free calculator. Get insights and call CB Loans at (310) 374-9000 for tailored guidance. ![Manhattan beach street — CB Loans, South Bay California](/images/photos/cb-loans-manhattan-beach-street-01.jpg) Tools # Rent vs. Buy Calculator Evaluate renting versus buying in the South Bay. How to use it ## Compare renting against owning Our tool helps compare the costs of renting and buying in the South Bay. Discuss your results with our knowledgeable team. Comparable rent Monthly rent $ Renters insurance (monthly) $ Annual rent increase % Home purchase Home purchase price $ Down payment ($) $ Property tax (yearly) $ Homeowners insurance (yearly) $ New loan info Loan term (yrs) 30 years 20 years 15 years Interest rate % Estimated settlement costs $ Assumptions Home appreciation rate % Expected yrs. in home yrs Selling costs % State + federal tax rate % Used to estimate the tax savings from mortgage interest + property tax. After 7 years, buying saves you $287,452 You save $32,853 in rent and tax savings, plus you gain $254,599 from the sale of your home. Total rent paid (7 yrs) $353,608 Rent & tax savings $32,853 Gain from sale of home $254,599 Total savings by buying $287,452 Down payment + settlement $182,000 Est. monthly P&I $4,298 Est. tax savings $118,332 Projected home value $1,118,542 Projected equity $503,712 Net sale proceeds $436,599 Owning breaks even with renting around year 1 of your 7-year horizon. Estimates for illustration only — not a loan offer or commitment. Contact CB Loans at [(310) 374-9000](tel:+13103749000) for a personalized quote. More tools ## Other calculators [Mortgage CalculatorEstimate your full monthly payment — principal, interest, taxes, and insurance.](/mortgage-calculator/)[The Bid GridSee what bidding over asking does to your monthly payment and cash to close.](/bid-over-asking-price/)[Reverse Mortgage CalculatorEstimate the proceeds a reverse mortgage could unlock from your home equity.](/reverse-mortgage-calculator/)[Refinance AdvisorSee whether a refinance moves your payment in the right direction.](/refinance-advisor/) Talk it through ## Numbers looking close? Let us confirm them Call [(310) 374-9000](tel:+13103749000) to talk through the real picture, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Reverse Mortgage Calculator South Bay | CB Loans Broker Source: https://cbloans.com/reverse-mortgage-calculator/ Estimate reverse mortgage proceeds from your home value and age with our free HECM calculator. Call CB Loans at (310) 374-9000 for a quote. ![Redondo pier coastline — CB Loans, South Bay California](/images/photos/cb-loans-redondo-pier-coastline-02.jpg) Tools # Reverse Mortgage Calculator Estimate available proceeds from a HECM reverse mortgage. How to use it ## Estimate your available proceeds Enter the youngest borrower's age, your home value, any existing balance, and an expected rate to see an illustrative estimate of the proceeds a reverse mortgage could provide. Final figures depend on current rates and HUD limits. Youngest borrower age yrs HECM reverse mortgages require the youngest borrower to be 62 or older. Home value $ Existing mortgage balance $ Expected interest rate % A higher expected rate lowers the available principal limit. Estimated proceeds available to you $200,500 After paying off your existing mortgage and estimated up-front costs. Home value used $750,000 Principal limit factor (age + rate) 38.6% Gross principal limit $289,500 Less: existing mortgage − $80,000 Less: est. closing costs − $9,000 Estimated net proceeds $200,500 This is a rough illustration using an approximation of typical reverse-mortgage principal-limit factors. Your actual figure depends on the loan program, the current expected rate, property type, and underwriting. Estimates for illustration only — not a loan offer or commitment. Contact CB Loans at [(310) 374-9000](tel:+13103749000) for a personalized quote. Why a reverse mortgage ## Benefits of a reverse mortgage A HECM reverse mortgage can turn the equity you have built into flexible retirement cash flow — while you stay in your home. Stay in your home Keep living in the home you love while you access its equity — no need to move or sell. No monthly mortgage payments A HECM requires no monthly mortgage payment; the loan is repaid when the home is sold or no longer your primary residence. Government insured FHA-insured HECM loans protect you and your heirs — you will never owe more than the home is worth at repayment. Flexible payout options Take your funds as a lump sum, a line of credit, monthly payments, or a combination that fits your plan. Generally tax-free funds Reverse mortgage proceeds are loan advances, not income — consult your tax advisor for your situation. You retain ownership You remain the owner of your home and the title stays in your name throughout the loan. How it works ## Three steps to access your equity Our team guides you through every step, including the HUD-approved counseling that protects you. - 01Discuss Your GoalsWe'll talk through your goals and confirm eligibility based on age and equity. - 02Select HECM StructureChoose a structure that fits: lump sum, line, or monthly payments. - 03Access Your EquityClose the deal and access your equity with no monthly mortgage payment. Want the full picture — eligibility, HECM structures, and FAQs? [Read our complete reverse mortgage guide](/reverse-mortgage/). More tools ## Other calculators [Mortgage CalculatorEstimate your full monthly payment — principal, interest, taxes, and insurance.](/mortgage-calculator/)[Rent vs. Buy CalculatorCompare the long-run cost of renting against owning in the South Bay.](/rent-vs-buy-calculator/)[The Bid GridSee what bidding over asking does to your monthly payment and cash to close.](/bid-over-asking-price/)[Refinance AdvisorSee whether a refinance moves your payment in the right direction.](/refinance-advisor/) Talk it through ## Numbers looking close? Let us confirm them Call [(310) 374-9000](tel:+13103749000) to talk through the real picture, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Reverse Mortgages in the South Bay | CB Loans Broker Source: https://cbloans.com/reverse-mortgage/ Expert reverse mortgage guidance for South Bay homeowners 62 and older. Call us at (310) 374-9000 for personalized assistance. ![Palos verdes bluffs — CB Loans, South Bay California](/images/photos/cb-loans-palos-verdes-bluffs-02.jpg) REVERSE MORTGAGE SOUTH BAY # Turn Home Equity Into Income Easily Convert your home's value into income with no monthly mortgage payment*, all from a trusted local team. *Still must maintain your property taxes, insurance, and maintenance cost. ![Reverse Mortgages in the South Bay](/images/photos/cb-loans-coastal-home-exterior-02.jpg) The situation ## Worried About Retirement Income Shortfalls? Many South Bay seniors find themselves rich in home equity but tight on monthly income. A reverse mortgage can help ease that financial pressure. This is a real, FHA-insured option. CB Loans offers clear, pressure-free guidance to help you understand it fully. How it works ## Understanding Reverse Mortgages Here's a simple breakdown of how a reverse mortgage can work for you. 01 ### Discuss Your Goals We'll talk through your goals and confirm eligibility based on age and equity. 02 ### Select HECM Structure Choose a structure that fits: lump sum, line, or monthly payments. 03 ### Access Your Equity Close the deal and access your equity with no monthly mortgage payment. Who it fits ## Is a Reverse Mortgage Right for You? Consider these points to see if you qualify for a reverse mortgage. - You are a homeowner aged 62 or older. - You have significant equity in your South Bay home. - You want to eliminate monthly mortgage payments. - You plan to stay in your home long-term. - You prefer a knowledgeable local guide, not a call center. Key details ## Common questions ### Who qualifies for a reverse mortgage? ### Do I still own my home? ### How does no monthly payment work? ### What happens to my heirs? ### How do I start in the South Bay? ![CB Loans guidance for reverse mortgages](/images/photos/cb-loans-coastal-home-exterior-02.jpg) Why CB Loans ## Why Choose CB Loans? Craig Barton leads our Redondo Beach office. We offer multi-lender access through our Loan Factory partnership (Loan Factory, Inc., NMLS #320841). Decades of experience serving South Bay seniors. You can expect honest, pressure-free guidance. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Nearby + related ## Areas and related programs [Mortgage broker in TorranceLocal market knowledge for this community.](/areas-we-serve/torrance/)[Mortgage broker in Palos VerdesLocal market knowledge for this community.](/areas-we-serve/palos-verdes/)[Mortgage broker in Redondo BeachLocal market knowledge for this community.](/areas-we-serve/redondo-beach/)[Standalone Second MortgagesStandalone 2nd Mortgage](/standalone-2nd-mortgage/)[General Loan OptionsLoan Options](/loan-options/) Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Talk it through ## Ready to look at reverse mortgage? Call [(310) 374-9000](tel:+13103749000) to see whether this fits your situation, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## CB Loans Reviews | South Bay Mortgage Broker Ratings Source: https://cbloans.com/reviews/ Read verified reviews from our South Bay clients and discover why CB Loans is a trusted mortgage choice. Call us today at (310) 374-9000. ![Hermosa front porch — CB Loans, South Bay California](/images/photos/cb-loans-hermosa-front-porch-02.jpg) CLIENT STORIES # Real South Bay Clients Share Experiences Discover what clients say about working with Craig and the team at CB Loans. Featured ## Featured Client Reviews Read a few standout reviews from our South Bay community. > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google More reviews ## More Client Feedback Explore the full set of Google-verified reviews from our valued clients. > “ Craig did a great job with our refinance ” Chris Light · Google > “ You made the loan process easy and effective ” Nick Taggart · Google > “ They are very professional, attentive and creative ” Theng-Theng Fong · Google > “ CB Loans was...AMAZING! ” Eric McCullum · Google > “ Craig and his team are great! ” Spencer Stribling · Google > “ Craig was patience and thorough ” Kathleen Cook · Google > “ a smooth and stress free purchase ” Dan Held · Google ![The South Bay coastline near Redondo Beach](/images/photos/cb-loans-redondo-pier-coastline-01.jpg) Share your story ## Share Your Experience If you're a satisfied borrower, we'd love to hear from you. Share your experience on Google today. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Talk it through ## Join the South Bay clients who trust CB Loans Call [(310) 374-9000](tel:+13103749000) to talk through your situation, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Standalone Second Mortgages in the South Bay | CB Loans Source: https://cbloans.com/standalone-2nd-mortgage/ Get a standalone second mortgage without refinancing, keeping your current low first-lien rate. Call CB Loans at (310) 374-9000 for details. ![Manhattan beach street — CB Loans, South Bay California](/images/photos/cb-loans-manhattan-beach-street-03.jpg) SOUTH BAY SECOND MORTGAGE # Keep Your Low Rate, Access Cash Ideal for South Bay homeowners wanting cash without refinancing. ![Standalone Second Mortgages in the South Bay](/images/photos/cb-loans-standalone-2nd-losing-low-rate.jpg) The situation ## Afraid of Losing Your Low Rate? You bought at a low rate and don't want to lose it by refinancing. But you need cash for other opportunities. Our second mortgage lets you access cash while keeping that first-mortgage rate intact. No need to refinance. How it works ## How This Program Works Here's how you can secure your second mortgage. 01 ### Check Your Equity Determine available equity while keeping your current first mortgage intact. 02 ### Compare Your Options Evaluate a second mortgage versus a cash-out refinance with transparency. 03 ### Close and Access Funds Secure the second mortgage to access cash without changing your first rate. Who it fits ## Is This Program Right for You? See if you qualify for a second mortgage. - Own a home with a low-rate mortgage. - Need cash for investment or renovation. - Want to keep your first-mortgage rate. - Prefer not to refinance your home. - Seek a knowledgeable local guide. Key details ## Common questions ### Can I get a second mortgage without refinancing? ### Is it better to get a second mortgage or refinance? ### Will a second mortgage change my locked-in rate? ### What can I use the cash from a second mortgage for? ### How do I get started with CB Loans? ![CB Loans guidance for standalone second mortgages](/images/photos/cb-loans-standalone-2nd-why-choose.jpg) Why CB Loans ## Why Choose CB Loans? Craig Barton leads our Redondo Beach office. We offer multi-lender access through our Loan Factory partnership (Loan Factory, Inc., NMLS #320841). Decades of experience helping South Bay homeowners with similar needs. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) Nearby + related ## Areas and related programs [Mortgage broker in TorranceLocal market knowledge for this community.](/areas-we-serve/torrance/)[Mortgage broker in GardenaLocal market knowledge for this community.](/areas-we-serve/gardena/)[Mortgage broker in Redondo BeachLocal market knowledge for this community.](/areas-we-serve/redondo-beach/)[Reverse MortgagesReverse Mortgage](/reverse-mortgage/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/)[General Loan OptionsLoan Options](/loan-options/) Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Talk it through ## Ready to look at standalone 2nd mortgage? Call [(310) 374-9000](tel:+13103749000) to see whether this fits your situation, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Beverly Hills, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/beverly-hills/ Expert mortgage guidance in Beverly Hills. Call (310) 374-9000 for personalized service and competitive South Bay loan options. ![Beverly Hills, California — CB Loans mortgage broker service area](/images/photos/cb-loans-palos-verdes-bluffs-01.jpg) BEVERLY HILLS MORTGAGE EXPERTS # Beverly Hills Jumbo Mortgage Solutions Local experts in jumbo financing tailored for Beverly Hills. ![Homes and streets in Beverly Hills, South Bay](/images/photos/cb-loans-coastal-home-exterior-02.jpg) Beverly Hills mortgage ## Owning Luxury in Beverly Hills Beverly Hills is synonymous with luxury living, offering high-value homes that often require specialized financing. Known for its opulent estates and celebrity residents, this community attracts those seeking premium living with all the amenities. Jumbo loans and unique underwriting are common in Beverly Hills. Local brokers like CB Loans provide tailored solutions, ensuring your financing aligns with the community's luxury demands. Programs that fit ## Loan programs for Beverly Hills [General Loan OptionsLoan Options](/loan-options/)[Doctor LoansDoctor Loans](/doctor-loans/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/) Local knowledge ## Understanding Beverly Hills Real Estate Luxury homes with unique charm. Jumbo loans frequently needed here. Tailored programs for high earners. ![CB Loans serving Beverly Hills](/images/photos/cb-loans-los-angeles-first.jpg) Why CB Loans here ## Why Choose CB Loans in Beverly Hills Located in Redondo Beach, CB Loans, led by Craig Barton, offers personal service and multi-lender access. We know Beverly Hills and its unique financing needs. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Beverly Hills, California](/images/photos/cb-loans-palos-verdes-bluffs-01.jpg) The path ## How working with CB Loans in Beverly Hills goes 01 ### Talk it through A no-pressure call about buying or owning in Beverly Hills, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Beverly Hills questions ## Common questions ### How does Beverly Hills' market affect loans? ### What types of buyers are common here? ### Can CB Loans help with specialty loans? Nearby ## Nearby communities we serve [Los Angeles](/areas-we-serve/los-angeles/)[Santa Monica](/areas-we-serve/santa-monica/) Talk it through ## Buying or refinancing in Beverly Hills? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Carson, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/carson/ Local mortgage guidance in Carson from CB Loans. Call (310) 374-9000 for expert South Bay assistance tailored to your needs. ![Carson, California — CB Loans mortgage broker service area](/images/photos/cb-loans-coastal-home-exterior-03.jpg) CARSON MORTGAGE EXPERTS # Trusted Carson Mortgage Solutions Local mortgage guidance tailored for Carson residents. ![Homes and streets in Carson, South Bay](/images/photos/cb-loans-carson-first.jpg) Carson mortgage ## Home Buying in Carson Carson is known for its practical, value-oriented housing market. With established neighborhoods and a strong sense of community, it attracts both residents and investors seeking stability and potential growth. In Carson, DSCR and standalone second mortgages are common. A local broker like CB Loans understands these needs, offering tailored solutions to fit the community's unique market dynamics. Programs that fit ## Loan programs for Carson [DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/)[General Loan OptionsLoan Options](/loan-options/)[Standalone Second MortgagesStandalone 2nd Mortgage](/standalone-2nd-mortgage/) Local knowledge ## Carson Market Insights Established neighborhoods with strong community. Investment opportunities frequently arise here. Tailored loan programs fit local needs. ![CB Loans serving Carson](/images/photos/cb-loans-torrance-first.jpg) Why CB Loans here ## Why Choose CB Loans in Carson Based in Redondo Beach, CB Loans, led by Craig Barton, offers multi-lender access and in-depth knowledge of Carson’s market, ensuring personalized mortgage solutions. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Carson, California](/images/photos/cb-loans-coastal-home-exterior-03.jpg) The path ## How working with CB Loans in Carson goes 01 ### Talk it through A no-pressure call about buying or owning in Carson, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Carson questions ## Common questions ### What makes Carson's market unique? ### Which loans are common in Carson? ### How can CB Loans assist in Carson? Nearby ## Nearby communities we serve [Torrance](/areas-we-serve/torrance/)[Gardena](/areas-we-serve/gardena/)[Long Beach](/areas-we-serve/long-beach/) Talk it through ## Buying or refinancing in Carson? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in El Segundo, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/el-segundo/ Local mortgage guidance in El Segundo from CB Loans. Call (310) 374-9000 for personalized service and expert South Bay advice. ![El Segundo, California — CB Loans mortgage broker service area](/images/photos/cb-loans-el-segundo-hero.jpg) EL SEGUNDO MORTGAGE EXPERT # Mortgage Guidance for El Segundo Homes Local mortgage expertise tailored for El Segundo's unique market. ![Homes and streets in El Segundo, South Bay](/images/photos/cb-loans-el-segundo-mortgage-broker.jpg) El Segundo mortgage ## Buying in El Segundo El Segundo offers a blend of classic homes and newer builds, attracting professionals like doctors and self-employed earners. Its coastal location near the aerospace and tech corridor enhances its appeal. The community balances charm with modern conveniences, making it a desirable place to settle. In El Segundo, doctor loans and bank statement loans are often sought due to the professional demographic. A local broker like CB Loans provides invaluable insights and customized options to fit the area's unique needs, ensuring a smooth buying process. Programs that fit ## Loan programs for El Segundo [Doctor LoansDoctor Loans](/doctor-loans/)[General Loan OptionsLoan Options](/loan-options/)[Bank Statement LoansBank Statement Loans](/bank-statement-loans/) Local knowledge ## Understanding El Segundo's Market Mix of classic and modern homes. Professional buyers seek unique loan options. Doctor and bank statement loans are key. ![CB Loans serving El Segundo](/images/photos/cb-loans-manhattan-beach-first.jpg) Why CB Loans here ## Why Choose CB Loans in El Segundo CB Loans, based in Redondo Beach, offers personalized mortgage solutions for El Segundo. Led by Craig Barton and leveraging multi-lender access, we provide tailored options to meet the community's specific needs. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in El Segundo, California](/images/photos/cb-loans-el-segundo-hero.jpg) The path ## How working with CB Loans in El Segundo goes 01 ### Talk it through A no-pressure call about buying or owning in El Segundo, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google El Segundo questions ## Common questions ### What types of homes are common in El Segundo? ### Are there specific loans suited for El Segundo buyers? ### How can CB Loans assist El Segundo residents? Nearby ## Nearby communities we serve [Manhattan Beach](/areas-we-serve/manhattan-beach/)[Hermosa Beach](/areas-we-serve/hermosa-beach/)[Hawthorne](/areas-we-serve/hawthorne/) Talk it through ## Buying or refinancing in El Segundo? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Gardena, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/gardena/ Local mortgage guidance in Gardena from CB Loans. Call (310) 374-9000 for personalized service and expert South Bay mortgage advice. ![Gardena, California — CB Loans mortgage broker service area](/images/photos/cb-loans-coastal-home-exterior-01.jpg) GARDENA MORTGAGE BROKER # Local Mortgages in Gardena, California Personalized mortgage guidance for Gardena's unique community needs. ![Homes and streets in Gardena, South Bay](/images/photos/cb-loans-manhattan-beach-street-02.jpg) Gardena mortgage ## Buying or Owning in Gardena Gardena offers practical, family-oriented neighborhoods with long-term residents. The housing market here is steady and value-driven, attracting families seeking stability. Being an inland South Bay city, Gardena provides a more affordable option compared to coastal areas. Homeowners in Gardena often consider standalone second mortgages or reverse mortgages due to accrued equity. Local brokers like CB Loans understand these needs, offering tailored solutions that big banks might overlook. Programs that fit ## Loan programs for Gardena [Standalone Second MortgagesStandalone 2nd Mortgage](/standalone-2nd-mortgage/)[General Loan OptionsLoan Options](/loan-options/)[Reverse MortgagesReverse Mortgage](/reverse-mortgage/) Local knowledge ## Gardena's Market Insights Family-friendly, steady market. Long-term owners with equity. Local expertise for tailored loans. ![CB Loans serving Gardena](/images/photos/cb-loans-gardena-second.jpg) Why CB Loans here ## Why Choose CB Loans in Gardena As a Redondo Beach-based broker, Craig Barton offers Gardena personalized service. With multi-lender access through Loan Factory, Inc. (NMLS #320841), we provide options that fit local needs. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Gardena, California](/images/photos/cb-loans-coastal-home-exterior-01.jpg) The path ## How working with CB Loans in Gardena goes 01 ### Talk it through A no-pressure call about buying or owning in Gardena, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Gardena questions ## Common questions ### How does Gardena's market affect my loan? ### What mortgage options are popular in Gardena? ### Why work with a local Gardena broker? Nearby ## Nearby communities we serve [Torrance](/areas-we-serve/torrance/)[Hawthorne](/areas-we-serve/hawthorne/)[Carson](/areas-we-serve/carson/) Talk it through ## Buying or refinancing in Gardena? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Hawthorne, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/hawthorne/ Local mortgage guidance in Hawthorne from CB Loans. Call (310) 374-9000 for personalized service and South Bay mortgage expertise. ![Hawthorne, California — CB Loans mortgage broker service area](/images/photos/cb-loans-hawthorne-mortgage-broker.jpg) HAWTHORNE MORTGAGE EXPERTS # Hawthorne Mortgage Solutions Tailored for You Local South Bay mortgage expertise since 1986, personalized for Hawthorne. ![Homes and streets in Hawthorne, South Bay](/images/photos/cb-loans-hawthorne-first.jpg) Hawthorne mortgage ## Buying a Home in Hawthorne Hawthorne offers a mix of suburban neighborhoods with varied price points. It's an attractive option for first-time and move-up buyers seeking an inland lifestyle. Self-employed buyers find Hawthorne appealing. Purchase and bank statement loans are common here, making local expertise crucial. A trusted broker can streamline your experience. Programs that fit ## Loan programs for Hawthorne [General Loan OptionsLoan Options](/loan-options/)[Bank Statement LoansBank Statement Loans](/bank-statement-loans/)[Standalone Second MortgagesStandalone 2nd Mortgage](/standalone-2nd-mortgage/) Local knowledge ## Understanding Hawthorne's Housing Market Diverse neighborhoods with suburban charm. First-time and move-up buyers are frequent. Bank statement loans often fit well. ![CB Loans serving Hawthorne](/images/photos/cb-loans-hawthorne-second.jpg) Why CB Loans here ## Why Choose CB Loans in Hawthorne As a Redondo Beach-based broker, Craig Barton provides personalized service to Hawthorne's buyers with multi-lender access through Loan Factory, Inc. (NMLS #320841). [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Hawthorne, California](/images/photos/cb-loans-hawthorne-mortgage-broker.jpg) The path ## How working with CB Loans in Hawthorne goes 01 ### Talk it through A no-pressure call about buying or owning in Hawthorne, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Hawthorne questions ## Common questions ### What makes Hawthorne a desirable place to buy? ### How do self-employed buyers find loans here? ### Can CB Loans assist with specific needs? Nearby ## Nearby communities we serve [Gardena](/areas-we-serve/gardena/)[El Segundo](/areas-we-serve/el-segundo/) Talk it through ## Buying or refinancing in Hawthorne? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Hermosa Beach, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/hermosa-beach/ Local mortgage guidance in Hermosa Beach from CB Loans. Call (310) 374-9000, serving the unique needs of this South Bay coastal community. ![Hermosa Beach, California — CB Loans mortgage broker service area](/images/photos/cb-loans-hermosa-front-porch-02.jpg) HERMOSA BEACH MORTGAGE EXPERTS # Mortgage Solutions for Hermosa Beach Living Expert mortgage guidance tailored to Hermosa Beach's unique market. ![Homes and streets in Hermosa Beach, South Bay](/images/photos/cb-loans-hermosa-beach-first.jpg) Hermosa Beach mortgage ## Buying a Home in Hermosa Beach Hermosa Beach is known for its walkable coastal charm, featuring beach cottages and upscale homes near the strand. Professionals and self-employed high earners are frequent buyers, attracted by its tight, desirable market. Whether you're looking for a cozy cottage or a luxurious home, Hermosa Beach offers a vibrant community with unique appeal. In Hermosa Beach, jumbo loans and bank statement qualifications are common due to the area's high-value properties. A local broker like CB Loans, based in nearby Redondo Beach, can offer personalized service and expert knowledge, ensuring you get the right mortgage for your needs in this competitive market. Programs that fit ## Loan programs for Hermosa Beach [General Loan OptionsLoan Options](/loan-options/)[Bank Statement LoansBank Statement Loans](/bank-statement-loans/)[Doctor LoansDoctor Loans](/doctor-loans/) Local knowledge ## Understanding Hermosa Beach's Real Estate Market Charming beach cottages and upscale homes. Professionals and high earners buy here. Jumbo loans and bank statements popular. ![CB Loans serving Hermosa Beach](/images/photos/cb-loans-hermosa-beach-second.jpg) Why CB Loans here ## Why Choose CB Loans in Hermosa Beach CB Loans, anchored in Redondo Beach, offers local expertise for Hermosa Beach's market. Craig Barton and our multi-lender access through Loan Factory, Inc. (NMLS #320841) ensure tailored solutions for your needs. Trust a broker who knows the area well. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Hermosa Beach, California](/images/photos/cb-loans-hermosa-front-porch-02.jpg) The path ## How working with CB Loans in Hermosa Beach goes 01 ### Talk it through A no-pressure call about buying or owning in Hermosa Beach, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Hermosa Beach questions ## Common questions ### What makes Hermosa Beach's market unique? ### How can self-employed buyers qualify? ### What loan options are available here? Nearby ## Nearby communities we serve [Manhattan Beach](/areas-we-serve/manhattan-beach/)[Redondo Beach](/areas-we-serve/redondo-beach/)[El Segundo](/areas-we-serve/el-segundo/) Talk it through ## Buying or refinancing in Hermosa Beach? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Long Beach, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/long-beach/ Local mortgage guidance in Long Beach from CB Loans. Call (310) 374-9000 for personalized service and competitive South Bay options. ![Long Beach, California — CB Loans mortgage broker service area](/images/photos/cb-loans-long-beach-hero.jpg) LONG BEACH MORTGAGE EXPERTS # Trusted Mortgage Broker in Long Beach Local mortgage guidance for Long Beach: DSCR and bank statement loans available. ![Homes and streets in Long Beach, South Bay](/images/photos/cb-loans-long-beach-first.jpg) Long Beach mortgage ## Owning a Home in Long Beach Long Beach offers a vibrant mix of neighborhoods, from coastal condos to family homes. This diverse city attracts both first-time buyers and seasoned investors, creating a dynamic housing market. With strong investor activity and various buying situations, local expertise is crucial. DSCR and bank statement loans are common here, making a local broker invaluable. Programs that fit ## Loan programs for Long Beach [DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/)[General Loan OptionsLoan Options](/loan-options/)[Bank Statement LoansBank Statement Loans](/bank-statement-loans/) Local knowledge ## Understanding the Long Beach Market Diverse housing options for all buyers. DSCR and bank statement loans prevalent. Programs tailored to Long Beach needs. ![CB Loans serving Long Beach](/images/photos/cb-loans-long-beach-second.jpg) Why CB Loans here ## Why Choose CB Loans in Long Beach Based in Redondo Beach, Craig Barton leads CB Loans with personal knowledge of Long Beach. Our multi-lender access ensures competitive options for you. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Long Beach, California](/images/photos/cb-loans-long-beach-hero.jpg) The path ## How working with CB Loans in Long Beach goes 01 ### Talk it through A no-pressure call about buying or owning in Long Beach, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Long Beach questions ## Common questions ### What makes Long Beach's market unique? ### How can I qualify for a loan here? ### Why use a local broker for Long Beach? Nearby ## Nearby communities we serve [Carson](/areas-we-serve/carson/)[Los Angeles](/areas-we-serve/los-angeles/)[Marina del Rey](/areas-we-serve/marina-del-rey/) Talk it through ## Buying or refinancing in Long Beach? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Los Angeles, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/los-angeles/ Local mortgage guidance in Los Angeles from CB Loans. Call (310) 374-9000 for expert advice and personalized South Bay loan options. ![Los Angeles, California — CB Loans mortgage broker service area](/images/photos/cb-loans-los-angeles-hero.jpg) LOS ANGELES MORTGAGE BROKER # Los Angeles Mortgage Broker for Your Needs Guidance and personalized loan solutions for Los Angeles homeowners. ![Homes and streets in Los Angeles, South Bay](/images/photos/cb-loans-los-angeles-first.jpg) Los Angeles mortgage ## Living and Buying in Los Angeles Los Angeles offers diverse neighborhoods, catering to first-time buyers and luxury seekers alike. From vibrant urban areas to tranquil suburbs, each part of LA presents unique opportunities. First-time buyer, investor, or self-employed? Our local expertise and multi-lender access help find a loan that fits your needs. Programs that fit ## Loan programs for Los Angeles [General Loan OptionsLoan Options](/loan-options/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/)[Bank Statement LoansBank Statement Loans](/bank-statement-loans/) Local knowledge ## Understanding the Los Angeles Market Diverse neighborhoods with unique character. Frequent first-time and luxury buyers. Tailored loan options for all buyers. ![CB Loans serving Los Angeles](/images/photos/cb-loans-coastal-home-exterior-02.jpg) Why CB Loans here ## Why Choose CB Loans in Los Angeles Choose CB Loans in LA for personal service from Craig Barton. Access multiple lenders and tailored options from our Redondo Beach base. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Los Angeles, California](/images/photos/cb-loans-los-angeles-hero.jpg) The path ## How working with CB Loans in Los Angeles goes 01 ### Talk it through A no-pressure call about buying or owning in Los Angeles, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Los Angeles questions ## Common questions ### What makes Los Angeles real estate unique? ### How can CB Loans assist me here? ### Are there specific loan programs for LA? Nearby ## Nearby communities we serve [Beverly Hills](/areas-we-serve/beverly-hills/)[Long Beach](/areas-we-serve/long-beach/)[Santa Monica](/areas-we-serve/santa-monica/) Talk it through ## Buying or refinancing in Los Angeles? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Manhattan Beach, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/manhattan-beach/ Local mortgage guidance in Manhattan Beach from CB Loans. Call (310) 374-9000 for personalized mortgage solutions in the South Bay. ![Manhattan Beach, California — CB Loans mortgage broker service area](/images/photos/cb-loans-manhattan-beach-mortgage-broker.jpg) MANHATTAN BEACH MORTGAGE EXPERTS # Your Manhattan Beach Mortgage Broker Local mortgage expertise tailored for Manhattan Beach buyers. ![Homes and streets in Manhattan Beach, South Bay](/images/photos/cb-loans-manhattan-beach-first.jpg) Manhattan Beach mortgage ## Buying a Home in Manhattan Beach Manhattan Beach offers upscale living with its tree-lined streets and high-value single-family homes. It's a sought-after location for professionals, doctors, and self-employed high earners who appreciate the blend of community charm and coastal living. Jumbo loans are common here due to the high property values. Doctor loans and bank statement loans are often relevant. A local broker brings valuable insights into these specific needs. Programs that fit ## Loan programs for Manhattan Beach [General Loan OptionsLoan Options](/loan-options/)[Doctor LoansDoctor Loans](/doctor-loans/)[Bank Statement LoansBank Statement Loans](/bank-statement-loans/) Local knowledge ## Understanding Manhattan Beach's Housing Market Upscale homes with coastal charm. Professionals and high earners dominate. Doctor and bank statement loans fit well. ![CB Loans serving Manhattan Beach](/images/photos/cb-loans-hermosa-beach-first.jpg) Why CB Loans here ## Why Choose CB Loans in Manhattan Beach Based in Redondo Beach, Craig Barton leads our team with a deep understanding of Manhattan Beach. Our multi-lender access ensures personalized solutions for your mortgage needs. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Manhattan Beach, California](/images/photos/cb-loans-manhattan-beach-mortgage-broker.jpg) The path ## How working with CB Loans in Manhattan Beach goes 01 ### Talk it through A no-pressure call about buying or owning in Manhattan Beach, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Manhattan Beach questions ## Common questions ### What makes Manhattan Beach unique for buyers? ### Which loans are popular in Manhattan Beach? ### How does CB Loans assist Manhattan Beach buyers? Nearby ## Nearby communities we serve [Hermosa Beach](/areas-we-serve/hermosa-beach/)[El Segundo](/areas-we-serve/el-segundo/)[Redondo Beach](/areas-we-serve/redondo-beach/) Talk it through ## Buying or refinancing in Manhattan Beach? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Marina del Rey, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/marina-del-rey/ Expert mortgage guidance in Marina del Rey. Call Craig Barton at (310) 374-9000 for personalized service and local South Bay expertise. ![Marina del Rey, California — CB Loans mortgage broker service area](/images/photos/cb-loans-marina-del-rey-mortgage-broker.jpg) MARINA DEL REY MORTGAGES # Trusted Mortgage Experts in Marina del Rey Guiding you with local expertise in Marina del Rey's unique market. ![Homes and streets in Marina del Rey, South Bay](/images/photos/cb-loans-marina-del-rey-mortgage-broker.jpg) Marina del Rey mortgage ## Buying or Owning in Marina del Rey Marina del Rey is a vibrant coastal community known for its stunning waterfront properties and luxurious condos. Professionals and investors are drawn to this area for its unique blend of urban convenience and scenic beauty. Jumbo loans and DSCR situations are common here due to higher property values. A local broker who understands these complexities can offer tailored solutions to fit your needs. Programs that fit ## Loan programs for Marina del Rey [General Loan OptionsLoan Options](/loan-options/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/)[Reverse MortgagesReverse Mortgage](/reverse-mortgage/) Local knowledge ## Understanding the Local Market Waterfront condos and townhomes dominate. Jumbo and DSCR loans are prevalent. Programs tailored to high-value properties. ![CB Loans serving Marina del Rey](/images/photos/cb-loans-marina-del-rey-second.jpg) Why CB Loans here ## Why CB Loans in Marina del Rey As a Redondo Beach-based broker, Craig Barton offers an insider's understanding of Marina del Rey, backed by multi-lender access through Loan Factory, Inc. (NMLS #320841). [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Marina del Rey, California](/images/photos/cb-loans-marina-del-rey-mortgage-broker.jpg) The path ## How working with CB Loans in Marina del Rey goes 01 ### Talk it through A no-pressure call about buying or owning in Marina del Rey, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Marina del Rey questions ## Common questions ### What makes Marina del Rey unique? ### Which loans are common in Marina del Rey? ### How can CB Loans assist in Marina del Rey? Nearby ## Nearby communities we serve [Playa del Rey](/areas-we-serve/playa-del-rey/)[Venice](/areas-we-serve/venice/)[Santa Monica](/areas-we-serve/santa-monica/) Talk it through ## Buying or refinancing in Marina del Rey? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Palos Verdes, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/palos-verdes/ Local mortgage guidance in Palos Verdes from CB Loans. Call (310) 374-9000 for personalized service and expert South Bay advice. ![Palos Verdes, California — CB Loans mortgage broker service area](/images/photos/cb-loans-palos-verdes-hero.jpg) PALOS VERDES MORTGAGE EXPERTS # Mortgage Solutions for Palos Verdes Homes Expert mortgage guidance for Palos Verdes homeowners since 1986. ![Homes and streets in Palos Verdes, South Bay](/images/photos/cb-loans-palos-verdes-first.jpg) Palos Verdes mortgage ## Buying or Owning in Palos Verdes Palos Verdes offers stunning hillside and coastal living with high-value homes. It's a sought-after area for those seeking ocean views and luxury living. Common needs here include jumbo financing, refinancing, and reverse mortgages. A local broker like CB Loans understands these needs and provides tailored solutions. Programs that fit ## Loan programs for Palos Verdes [General Loan OptionsLoan Options](/loan-options/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/)[Reverse MortgagesReverse Mortgage](/reverse-mortgage/) Local knowledge ## Local Palos Verdes Market Insights Hillside coastal homes with ocean views. Jumbo financing is often required here. Specialty programs fit unique needs here. ![CB Loans serving Palos Verdes](/images/photos/cb-loans-redondo-beach-first.jpg) Why CB Loans here ## Why Choose CB Loans in Palos Verdes As a Redondo Beach-based broker, Craig Barton offers expert guidance for Palos Verdes. Our multi-lender access ensures competitive options for you. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Palos Verdes, California](/images/photos/cb-loans-palos-verdes-hero.jpg) The path ## How working with CB Loans in Palos Verdes goes 01 ### Talk it through A no-pressure call about buying or owning in Palos Verdes, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Palos Verdes questions ## Common questions ### How is the housing market in Palos Verdes? ### What loan options suit Palos Verdes buyers? ### Can CB Loans assist long-time homeowners? Nearby ## Nearby communities we serve [Redondo Beach](/areas-we-serve/redondo-beach/)[Torrance](/areas-we-serve/torrance/)[Manhattan Beach](/areas-we-serve/manhattan-beach/) Talk it through ## Buying or refinancing in Palos Verdes? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Playa del Rey, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/playa-del-rey/ Expert mortgage guidance in Playa del Rey. Call CB Loans at (310) 374-9000 for personalized service tailored to your South Bay needs. ![Playa del Rey, California — CB Loans mortgage broker service area](/images/photos/cb-loans-playa-del-rey-hero.jpg) PLAYA DEL REY MORTGAGE # Local Mortgage Solutions for Playa del Rey Providing knowledgeable mortgage guidance for Playa del Rey homeowners. ![Homes and streets in Playa del Rey, South Bay](/images/photos/cb-loans-playa-del-rey-mortgage-broker.jpg) Playa del Rey mortgage ## Living and Buying in Playa del Rey Nestled by the LA coast, Playa del Rey offers a tranquil beach community vibe with a mix of charming homes and modern condos, attracting both professionals and self-employed individuals. Common loan situations here include purchase, doctor, and DSCR loans. A local broker like CB Loans offers tailored advice, crucial for navigating these unique needs. Programs that fit ## Loan programs for Playa del Rey [General Loan OptionsLoan Options](/loan-options/)[Doctor LoansDoctor Loans](/doctor-loans/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/) Local knowledge ## Understanding the Playa del Rey Market Charming homes and modern condos define it. Purchase and DSCR loans are frequent. Programs tailored to professionals and investors. ![CB Loans serving Playa del Rey](/images/photos/cb-loans-marina-del-rey-mortgage-broker.jpg) Why CB Loans here ## Why Choose CB Loans in Playa del Rey CB Loans, based in Redondo Beach, is led by Craig Barton. We offer multi-lender access and a deep understanding of Playa del Rey's market. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Playa del Rey, California](/images/photos/cb-loans-playa-del-rey-hero.jpg) The path ## How working with CB Loans in Playa del Rey goes 01 ### Talk it through A no-pressure call about buying or owning in Playa del Rey, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Playa del Rey questions ## Common questions ### What makes Playa del Rey unique for buyers? ### What loan options suit Playa del Rey buyers? ### How does local expertise benefit Playa del Rey buyers? Nearby ## Nearby communities we serve [Marina del Rey](/areas-we-serve/marina-del-rey/)[Venice](/areas-we-serve/venice/)[El Segundo](/areas-we-serve/el-segundo/) Talk it through ## Buying or refinancing in Playa del Rey? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Redondo Beach, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/redondo-beach/ Local mortgage guidance in Redondo Beach from CB Loans, serving South Bay buyers and homeowners. Call (310) 374-9000 for personalized service. ![Redondo Beach, California — CB Loans mortgage broker service area](/images/photos/cb-loans-redondo-pier-coastline-01.jpg) REDONDO BEACH EXPERTS # Your Trusted Redondo Beach Mortgage Broker Local mortgage guidance tailored for Redondo Beach residents. ![Homes and streets in Redondo Beach, South Bay](/images/photos/cb-loans-redondo-beach-first.jpg) Redondo Beach mortgage ## Buying or Owning in Redondo Beach Redondo Beach, a vibrant coastal city, offers a mix of beach-close condos, townhomes, and single-family homes. It's popular with first-time buyers and those seeking luxury properties near the ocean, providing a unique blend of coastal charm and urban convenience. Common loan needs here include purchase, refinance, and reverse mortgages. A local broker like CB Loans understands the unique property landscape and can help navigate options tailored to this community. Programs that fit ## Loan programs for Redondo Beach [General Loan OptionsLoan Options](/loan-options/)[Reverse MortgagesReverse Mortgage](/reverse-mortgage/)[Standalone Second MortgagesStandalone 2nd Mortgage](/standalone-2nd-mortgage/) Local knowledge ## Local Market Insights for Redondo Beach Coastal charm meets urban lifestyle. First-timers and luxury buyers alike. Tailored loan programs for local needs. ![CB Loans serving Redondo Beach](/images/photos/cb-loans-redondo-beach-second.jpg) Why CB Loans here ## Why Choose CB Loans in Redondo Beach CB Loans, led by Craig Barton, offers Redondo Beach residents personalized mortgage solutions. With multi-lender access and local expertise, we ensure you find the right fit for your needs. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Redondo Beach, California](/images/photos/cb-loans-redondo-pier-coastline-01.jpg) The path ## How working with CB Loans in Redondo Beach goes 01 ### Talk it through A no-pressure call about buying or owning in Redondo Beach, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Redondo Beach questions ## Common questions ### What makes Redondo Beach housing unique? ### How can a local broker assist me? ### What loan options are popular here? Nearby ## Nearby communities we serve [Hermosa Beach](/areas-we-serve/hermosa-beach/)[Torrance](/areas-we-serve/torrance/)[Palos Verdes](/areas-we-serve/palos-verdes/)[Manhattan Beach](/areas-we-serve/manhattan-beach/) Talk it through ## Buying or refinancing in Redondo Beach? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Santa Monica, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/santa-monica/ Local mortgage guidance in Santa Monica from CB Loans. Call (310) 374-9000 for tailored loan options and South Bay expertise. ![Santa Monica, California — CB Loans mortgage broker service area](/images/photos/cb-loans-santa-monica-hero.jpg) SANTA MONICA MORTGAGE EXPERT # Experienced Mortgage Broker in Santa Monica Local South Bay mortgage expertise for Santa Monica's vibrant market. ![Homes and streets in Santa Monica, South Bay](/images/photos/cb-loans-santa-monica-first.jpg) Santa Monica mortgage ## Buying in Santa Monica's Coastal Market Santa Monica offers high-value homes and condos with strong demand from professionals and investors. Its coastal charm and vibrant community make it a desirable place to live, attracting a diverse range of buyers who seek premium living standards. Jumbo and doctor loans are common here. Working with a local broker like CB Loans ensures personalized guidance tailored to Santa Monica's unique market dynamics, providing competitive options for buyers. Programs that fit ## Loan programs for Santa Monica [General Loan OptionsLoan Options](/loan-options/)[Doctor LoansDoctor Loans](/doctor-loans/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/) Local knowledge ## Understanding Santa Monica's Real Estate Landscape High-value homes with coastal charm. Professionals and investors seek jumbo loans. Programs tailored for Santa Monica buyers. ![CB Loans serving Santa Monica](/images/photos/cb-loans-santa-monica-second.jpg) Why CB Loans here ## Why CB Loans is Right for Santa Monica Based in Redondo Beach, CB Loans offers local expertise in Santa Monica's market. Led by Craig Barton, we provide access to multiple lenders through our relationship with Loan Factory, Inc. (NMLS #320841). [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Santa Monica, California](/images/photos/cb-loans-santa-monica-hero.jpg) The path ## How working with CB Loans in Santa Monica goes 01 ### Talk it through A no-pressure call about buying or owning in Santa Monica, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Santa Monica questions ## Common questions ### What makes Santa Monica's market unique? ### How can I qualify for a mortgage? ### Why choose a local broker in Santa Monica? Nearby ## Nearby communities we serve [Venice](/areas-we-serve/venice/)[Marina del Rey](/areas-we-serve/marina-del-rey/)[Beverly Hills](/areas-we-serve/beverly-hills/) Talk it through ## Buying or refinancing in Santa Monica? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Torrance, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/torrance/ Local mortgage guidance in Torrance from CB Loans. Call (310) 374-9000 for personalized service and South Bay expertise since 1986. ![Torrance, California — CB Loans mortgage broker service area](/images/photos/cb-loans-torrance-hero.jpg) TORRANCE MORTGAGE EXPERTS # Trusted Torrance Mortgage Solutions Local South Bay mortgage expertise and personalized guidance. ![Homes and streets in Torrance, South Bay](/images/photos/cb-loans-torrance-first.jpg) Torrance mortgage ## Living and Buying in Torrance Torrance offers a diverse range of neighborhoods, from family-friendly areas to more upscale enclaves. It's a popular spot for move-up buyers seeking long-term ownership. The inland position provides a practical lifestyle balance, attracting families and professionals alike. In Torrance, many homeowners explore reverse mortgages or second mortgages due to significant equity. A local broker like CB Loans understands the unique dynamics here, offering tailored solutions to meet community-specific needs. Programs that fit ## Loan programs for Torrance [Reverse MortgagesReverse Mortgage](/reverse-mortgage/)[Standalone Second MortgagesStandalone 2nd Mortgage](/standalone-2nd-mortgage/)[General Loan OptionsLoan Options](/loan-options/) Local knowledge ## Torrance Market Insights Diverse neighborhoods attract various buyers. Move-up buyers seek long-term ownership. Programs for equity-rich owners available. ![CB Loans serving Torrance](/images/photos/cb-loans-redondo-beach-first.jpg) Why CB Loans here ## Why Choose CB Loans in Torrance With a base in Redondo Beach, Craig Barton and CB Loans offer Torrance clients multi-lender access through Loan Factory, Inc. (NMLS #320841). We know the local market and provide personalized mortgage solutions. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Torrance, California](/images/photos/cb-loans-torrance-hero.jpg) The path ## How working with CB Loans in Torrance goes 01 ### Talk it through A no-pressure call about buying or owning in Torrance, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Torrance questions ## Common questions ### What makes Torrance a great place to buy? ### What loan options suit Torrance homeowners? ### How can CB Loans assist Torrance buyers? Nearby ## Nearby communities we serve [Redondo Beach](/areas-we-serve/redondo-beach/)[Palos Verdes](/areas-we-serve/palos-verdes/)[Gardena](/areas-we-serve/gardena/)[Carson](/areas-we-serve/carson/) Talk it through ## Buying or refinancing in Torrance? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Mortgage Broker in Venice, CA | CB Loans South Bay Source: https://cbloans.com/areas-we-serve/venice/ Local mortgage guidance in Venice from CB Loans. Call (310) 374-9000 for personalized loan options and expert South Bay advice. ![Venice, California — CB Loans mortgage broker service area](/images/photos/cb-loans-venice-mortgage-broker.jpg) VENICE MORTGAGE BROKER # Venice Home Financing Made Simple Local mortgage guidance for Venice's unique real estate market. ![Homes and streets in Venice, South Bay](/images/photos/cb-loans-venice-mortgage-broker.jpg) Venice mortgage ## Buying a Home in Venice Venice offers a mix of historic charm and modern living. With its eclectic vibe and beachfront allure, it's a sought-after spot for creatives and investors alike. Self-employed buyers and investors often seek bank statement and DSCR loans here. A local broker simplifies navigating Venice's unique financial landscape. Programs that fit ## Loan programs for Venice [Bank Statement LoansBank Statement Loans](/bank-statement-loans/)[DSCR and No-Ratio LoansDSCR & No-Ratio Loans](/dscr-no-ratio-loan/)[General Loan OptionsLoan Options](/loan-options/) Local knowledge ## Understanding the Venice Market Historic homes meet modern remodels. Self-employed and DSCR loans common. Tailored programs for unique needs. ![CB Loans serving Venice](/images/photos/cb-loans-santa-monica-first.jpg) Why CB Loans here ## Why Choose CB Loans in Venice Based in Redondo Beach, Craig Barton and CB Loans offer Venice-focused expertise with multi-lender options through our relationship with Loan Factory, Inc. (NMLS #320841). [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) ![Homes in Venice, California](/images/photos/cb-loans-venice-mortgage-broker.jpg) The path ## How working with CB Loans in Venice goes 01 ### Talk it through A no-pressure call about buying or owning in Venice, before any paperwork. 02 ### Compare your options We match the right program to your situation using access to multiple lenders. 03 ### Apply and close Apply securely through the Loan Factory, Inc. (NMLS #320841) application and stay guided to closing. Client stories ## What South Bay clients say > “ over the past 20 years ive worked with Craig Barton...he saved me over $400.00 a month ” Jeff Brooks · Google > “ This is exactly what buyers need...I am so happy about their new home! ” Elizabeth Brine · Google > “ Craig Barton and CB Loans are the only ones that pass with flying colors ” Jo & Ray Stribling · Google Venice questions ## Common questions ### What makes Venice real estate unique? ### How can I qualify for a loan in Venice? ### Why work with a local broker in Venice? Nearby ## Nearby communities we serve [Santa Monica](/areas-we-serve/santa-monica/)[Marina del Rey](/areas-we-serve/marina-del-rey/)[Playa del Rey](/areas-we-serve/playa-del-rey/) Talk it through ## Buying or refinancing in Venice? Call [(310) 374-9000](tel:+13103749000) for local guidance, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## BLS Jobs Report (April 2024) | CB Loans Market Update Source: https://cbloans.com/news/bls-jobs-report-april-2024/ April's job growth missed estimates, and downward revisions plus a higher unemployment rate suggested softening in | CB Loans South Bay market update. Market Update # BLS Jobs Report (April 2024) May 13, 2024 · By Craig Barton , CB Loans April's job growth missed estimates, as there were 175K new jobs created versus the 243K that were expected. Revisions to the data for February and March also shaved 22K jobs from those months combined while the unemployment rate rose to 3.9%. Overall, the data suggests softening in the labor sector, which could pressure the Fed to cut rates if this trend continues. [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market December 24, 2024 ### [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 24, 2024 ### [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 12, 2024 ### [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## BLS Jobs Report (March 2024) | CB Loans Market Update Source: https://cbloans.com/news/bls-jobs-report-march-2024/ March's job growth roared in above forecasts, though a deeper look at the numbers showed some weakness beneath the | CB Loans South Bay market update. Market Update # BLS Jobs Report (March 2024) April 8, 2024 · By Craig Barton , CB Loans March's job growth roared in above forecasts, as the BLS reported that 303K new jobs were created. Revisions to the data for January and February added 22K jobs to those months combined while the unemployment rate fell to 3.8%. However, a deeper dive into the numbers showed some weakness as losses in full-time jobs were offset by gains among part-time and multiple job holders. [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market December 24, 2024 ### [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 24, 2024 ### [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 12, 2024 ### [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## BLS Jobs Report (May 2024) | CB Loans Market Update Source: https://cbloans.com/news/bls-jobs-report-may-2024/ May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the | CB Loans South Bay market update. Market Update # BLS Jobs Report (May 2024) June 12, 2024 · By Craig Barton , CB Loans May's job growth came in well above forecasts, as the BLS reported that 272K new jobs were created. However, revisions to the data for March and April shaved 15K jobs from those months combined. In addition, the unemployment rate rose from 3.9% to 4%, which is the highest since January 2022. [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market December 24, 2024 ### [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 24, 2024 ### [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 6, 2024 ### [How to Save Money Over the Life of Your Loan](/news/how-to-save-money-over-the-life-of-your-loan/) A little extra income each month can go a long way. Extra principal payments reduce total interest paid and shorten your path to full ownership. [Read the update→](/news/how-to-save-money-over-the-life-of-your-loan/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Consumer Price Index (March 2024) | CB Loans Market Update Source: https://cbloans.com/news/consumer-price-index-march-2024/ Inflation was hotter than expected in March, as rising energy and shelter costs added to pricing pressure and clouded the | CB Loans South Bay market update. Market Update # Consumer Price Index (March 2024) April 17, 2024 · By Craig Barton , CB Loans Inflation was hotter than expected in March, continuing a trend we've seen in recent months, as rising energy and shelter costs added to pricing pressure. While annual inflation still remains well below the peaks seen in 2022, these stubbornly high inflation readings could delay the Fed's timing for rate cuts this year. [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market December 24, 2024 ### [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 24, 2024 ### [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 12, 2024 ### [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Existing Home Sales (March 2024) | CB Loans Market Update Source: https://cbloans.com/news/existing-home-sales-march-2024/ After hitting their highest level in a year in February, sales of existing homes slipped 4.3% in March, yet demand still | CB Loans South Bay market update. Market Update # Existing Home Sales (March 2024) April 22, 2024 · By Craig Barton , CB Loans After hitting their highest level in a year in February, sales of existing homes slipped 4.3% in March. However, sales are still at their second highest level since last May as NAR's Chief Economist, Lawrence Yun, confirmed they're “rebounding from cyclical lows.” The rise in first-time buyers and multiple offers also suggests demand remains ahead of the spring buying season even in the face of elevated mortgage rates. [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market December 24, 2024 ### [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 24, 2024 ### [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 12, 2024 ### [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Existing Home Sales (May 2024) | CB Loans Market Update Source: https://cbloans.com/news/existing-home-sales-may-2024/ Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales | CB Loans South Bay market update. Market Update # Existing Home Sales (May 2024) June 24, 2024 · By Craig Barton , CB Loans Existing Home Sales fell MoM for the 3rd-straight month, but even with total inventory rising to 1.28 million, median sales prices still climbed 3.1% MoM to a new record of $419,300. [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market December 24, 2024 ### [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 12, 2024 ### [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) June 6, 2024 ### [How to Save Money Over the Life of Your Loan](/news/how-to-save-money-over-the-life-of-your-loan/) A little extra income each month can go a long way. Extra principal payments reduce total interest paid and shorten your path to full ownership. [Read the update→](/news/how-to-save-money-over-the-life-of-your-loan/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Existing Home Sales (Nov 2024) | CB Loans Market Update Source: https://cbloans.com/news/existing-home-sales-nov-2024/ Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were | CB Loans South Bay market update. Market Update # Existing Home Sales (Nov 2024) December 24, 2024 · By Craig Barton , CB Loans Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in Sept/Oct. NAR's chief economist, Lawrence Yun, confirmed, that “more buyers have entered the market” and “home sales momentum is building.” [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market June 24, 2024 ### [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 12, 2024 ### [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) June 6, 2024 ### [How to Save Money Over the Life of Your Loan](/news/how-to-save-money-over-the-life-of-your-loan/) A little extra income each month can go a long way. Extra principal payments reduce total interest paid and shorten your path to full ownership. [Read the update→](/news/how-to-save-money-over-the-life-of-your-loan/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## FHFA House Price Index (1Q 2024) | CB Loans Market Update Source: https://cbloans.com/news/fhfa-house-price-index-1q-2024/ U.S. house prices rose 6.6 percent between the first quarter of 2023 and the first quarter of 2024, with strong growth | CB Loans South Bay market update. Market Update # FHFA House Price Index (1Q 2024) May 29, 2024 · By Craig Barton , CB Loans U.S. house prices rose 6.6 percent between the first quarter of 2023 and the first quarter of 2024, according to the Federal Housing Finance Agency (FHFA) House Price Index, with strong growth seen in states across the country. FHFA noted that “the low inventory of homes for sale continued to contribute to house price appreciation despite mortgage rates that hovered around 7 percent.” [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market December 24, 2024 ### [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 24, 2024 ### [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 12, 2024 ### [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## How to Save Money Over the Life of Your Loan | CB Loans Source: https://cbloans.com/news/how-to-save-money-over-the-life-of-your-loan/ A little extra income each month can go a long way. Extra principal payments reduce total interest paid and shorten your | CB Loans South Bay market update. Market Update # How to Save Money Over the Life of Your Loan June 6, 2024 · By Craig Barton , CB Loans Got a little extra income monthly? Making additional payments towards your principal helps you reduce the total amount of interest paid over time and also accelerates your path to full homeownership. Questions about how this strategy works? Send me a message and let's walk through your specific situation using my handy Amortization tool. [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market December 24, 2024 ### [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 24, 2024 ### [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 12, 2024 ### [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton) --- ## Personal Consumption Expenditures (March 2024) | CB Loans Source: https://cbloans.com/news/personal-consumption-expenditures-march-2024/ Progress toward the Fed's 2% inflation target continues to stall, as the Fed's favored measure, annual Core PCE, | CB Loans South Bay market update. Market Update # Personal Consumption Expenditures (March 2024) April 29, 2024 · By Craig Barton , CB Loans Progress toward the Fed's 2% inflation target continues to stall, as the Fed's favored measure, annual Core PCE, remained at 2.8% for the 12 months ending in March. While this was below 2022's 5.6% peak, inflationary pressures remain stubborn. All eyes will be on the Fed's May 1 meeting for clues regarding how this might impact their timing for cutting rates this year. [←Back to all market updates](/news/) More updates ## Keep reading the South Bay market December 24, 2024 ### [Existing Home Sales (Nov 2024)](/news/existing-home-sales-nov-2024/) Closings on existing homes rose for the second straight month in November, boosted by lower rates when buyers were shopping in September and October. [Read the update→](/news/existing-home-sales-nov-2024/) June 24, 2024 ### [Existing Home Sales (May 2024)](/news/existing-home-sales-may-2024/) Existing Home Sales fell month over month for the 3rd-straight month, but even with total inventory rising, median sales prices climbed to a new record. [Read the update→](/news/existing-home-sales-may-2024/) June 12, 2024 ### [BLS Jobs Report (May 2024)](/news/bls-jobs-report-may-2024/) May's job growth came in well above forecasts, but downward revisions and a rising unemployment rate complicated the picture for the Fed. [Read the update→](/news/bls-jobs-report-may-2024/) Talk it through ## Wondering what this means for your loan? Call [(310) 374-9000](tel:+13103749000) to talk it through with Craig Barton, or apply online through the secure Loan Factory, Inc. (NMLS #320841) application. [Call CB Loans(310) 374-9000](tel:+13103749000)[Apply Online](https://www.loanfactory.com/craigbarton)