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Why Choose LBC Mortgage Over a Traditional Bank?
You deserve a truly personalized mortgage experience, something traditional banks don’t provide. They typically treat you like any other number on a spreadsheet, while LBC Mortgage sees and honors the story behind the numbers.
We’re committed to creating solutions that align with your unique goals and needs.
| Services |  | Big Banks / Online Lenders |
| No Administrative Fees | ||
| Access to 100+ lenders | ||
| In-house underwriting | ||
| A one-stop solution | ||
| Personalized approach | ||
| Minimum paperwork | ||
| Underwritten Pre-appovals | ||
| Bridge Loans |
Explore Our Loan Programs
Find the Right Fit for Your Needs
Get $5,000 in Perks once we close
Get Your RewardsHow We Simplify Your Loan Process
From consultation to closing, we make the mortgage process easy and stress-free.
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No sales pressure, just expert advice to help you and find right option for your needs.
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We Analyze Options from 100+ Lenders
Our team compares offers and finds the perfect solution for your needs.
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We Handle All the Paperwork
We take care of all documentation and guide you through the closing process.
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Your Deal Is Closed, Successfully
Congratulations! You've successfully secured your loan and are ready for the next step.
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Speak with a mortgage expert — no sales talk, no pressure, just the details you need to take a smart decision.
Schedule a ConsultationTop-Rated Mortgage Broker
What can you expect from the LBC Mortgage? Extraordinary, stress-free service that saves you time, energy, and money — all delivered seamlessly by our team of highly experienced professionals. Since 2008, we’ve closed over $1 billion in loans.
Meet the TeamSee Why People Choose Us
Raina A.
Nurit, and the whole team at LBC Mortgage were a pleasure to work with from beginning to end. My buyers had a unique situation with their loan terms and Nurit and her team were able to get it closed with professionalism and on time. Nurit kept constant communication with me and all parties and was always available. I would definitely recommend Nurit and LBC mortgage to my clients in the future.
Сonsultant: Alex Shekhtman 
Michael V.
I've been working with LBC Mortgage for the past 8 years. Done many transactions with them, Anastasia been helping me with all my transactions. She is super professional and knowledgeable with all mortgage products and processes, would recommend LBC to anyone.
Сonsultant: Alex Shekhtman
Mariya S.
Thank you Alex and Vasily for closing deal for my client! Guys were super responsive and did everything on time! Amazing team work
Сonsultant: Alex Shekhtman
Patrick M.
I had a great experience with LBC Mortgage and working with Vasily Pshenichnyy. He has been very responsive to all my questions/concerns and demonstrates strong knowledge of the process. He also has been very helpful with navigating through challenging situations/conditions. Will definitely be working with them with future business.
Сonsultant: Alex Shekhtman
Ryan Nelson
I've closed over 4+ loans with LBC and will say they are the absolute best at overcoming challenges that most other mortgage brokers would give up on. Kevin has always been professional, knowledgeable, and helpful in getting my difficult investment property loans funded, even with non W2 income. Highly recommend them!
Сonsultant: Alex Shekhtman
Anna G.
It was a pleasure working with Alex Shekhtman and his team on another loan. They made it easy and painless. Very professional and efficient. I would gladly do more business with then. Thank you for a great service!
Сonsultant: Alex Shekhtman
Galina S.
LBC Team is now our Number One Team! Their service was impeccable! We really appreciated the detailed explanations and daily reminders throughout the whole process. Covid made a lot of things overwhelming and LBC team guides us through a process that eliminated a lot of stress and intimidation. The communication from the first call I placed to Alex, to the final loan doc signing was headache free. It was a pleasure to work with this team! They are extremely responsive and strive for the result, very professional and easy to work with! Our situation was not an easy one and with the energy and perseverance this team provided, we had received an excellent results with lightening speed! We really enjoyed working with them. Highly recommend LBC Mortgage team.
Сonsultant: Alex Shekhtman
Julia T.
LBC Team went above and beyond to help us buy our new home! They were available for all of our questions, were prompt in their replies to us, and guided us through the entire process. I would highly recommend their services and have, to my friends and family. Thank you!
Сonsultant: Alex Shekhtman
PLacebo L.
Alex and his team made us the best Christmas gift! We just moved in to our new townhouse and it's all thanks to LBC Mortgage. They were honest, fast and highly professional during the hole escrow process (even on weekends). This was our first deal and Alex has been so friendly and patient answering all our questions. Special thanks to Zara. She is the nicest and kindest person! Thanks LBC Mortgage, you made our dream come true!
Сonsultant: Alex Shekhtman
Kim M.
I got my first house!! If you have a unique financial situation, they are the ones to call! I am self employed and run my own payroll, and because of that, all traditional loans would only count like half of my income. Shant at LBC (working closely with Kevin and Alex) was able to get access to a unique loan program that utilized all of my income - all of my hard work!! WE DID IT! I qualified for almost DOUBLE what 3 other loan officers told me. I didn't think it was possible, but LBC Mortgage found a way. Other than having access to over 80 lenders and unique programs, they definitely had what other companies lack - a drive and passion to solve the riddle. Communication was beyond my expectations, responding immediately all the time. Shant was happy to educate me on the process, answer any questions, and act as a borderline therapist when the sellers were being difficult. I'm now settling into a beautiful HOUSE (not a tiny condo). Also, he really pushed hard to find me ways to save money, find extra credits, and make this massive purchase feel completely within budget. Between his efforts and my realtor (who he was also in close communication with, taking the pressure off me), I had virtually no closing costs. I never thought I'd be raving about my mortgage broker, but I am!! It all started with a low pressure phone call, so I highly recommend just give em a call and see how you feel. They are awesome!
Сonsultant: Kevin Tenin 
Elina L.
Excellent team of great professionals! Superb customer service! They have successfully handled our purchase and refinance in a very short period of time, found and locked the lowest possible rate! Highly recommended for any of your mortgage needs.
Сonsultant: Alex Shekhtman
Raina A.
Nurit, and the whole team at LBC Mortgage were a pleasure to work with from beginning to end. My buyers had a unique situation with their loan terms and Nurit and her team were able to get it closed with professionalism and on time. Nurit kept constant communication with me and all parties and was always available. I would definitely recommend Nurit and LBC mortgage to my clients in the future.
Сonsultant: Alex Shekhtman
Krista T.
Ana is AMAZING, highly recommend her for her knowledge, quick responses and thorough answers. Alex and Jovig are also great, I've had the chance to work with all of them since we've used LBC for refinancing twice and a new home purchase. They are very professional and work to get you the best rate and make the loan process as smooth as possible.
Сonsultant: Catherine Moore 
Marat S.
I would like to express my gratitude to the LBC Mortage team and personally to Alexander Shekhtman. I turned to Alexander about buying a home: Alexander and his team supervised the whole process very professionally. Personally, in working with LBC Mortgage i liked the punctuality, delicacy and professionalism - any question, any incomprehensible place, was immediately explained and covered. I wish success and good luck to the Agency and its employees in their future work!
Сonsultant: Alex Shekhtman
Elina F.
LBC was a pleasure to work with. Very knowledgeable staff. Everyone from the loan officers to the mortgage brokers to the fund managers, very helpful and super friendly! Thanks to LBC, we are living in our dream home. We really couldn't do it without them. They took care of everything and made our dreams a reality! HIGHLY recommend them for any real estate or loan needs.
Сonsultant: Armen Pogosov 
Mikhail K.
It's been a treat working with such knowledgeable and caring staff. Always reachable getting back to you with answers you need quick to make these life changing decisions, will highly recommend to anyone looking for new mortgage or refinancing
Сonsultant: Vladyslava Lisnykh 
Kamal A.
Thank you Alex, totally recommended, high standards. Good job, value for price.
Сonsultant: Alex Shekhtman
Yuri K.
This is my 12th year in professional real estate as a broker, seven of which I've been working with Alex and his team ever since we met on a transaction in 2009. I must say that this office is one of the few businesses I can always count on, both professionally and personally. So when it comes to California real estate funding in general and residential in particular, I've been entrusting my dear clients ranging from locals to foreigners to these good folks that I trust with my own loans!
Сonsultant: Alex Shekhtman
Ann H.
When we decided to buy our first home ,I had no idea what to do or how to do it. A good friend of mine recommend me Alex from LBC mortgage. Alex was very knowledgeable and friendly he asked me all the right questions and we were approved way faster than I ever thought possible. We are now happily settled in our new home and it's all due to the excellent work of Alex and his team.Team was fast , good to work with , loan was approved in three weeks. No complaints at all.
Сonsultant: Alex Shekhtman
Ilya F.
Alex Shekhtman serviced me for the 3RD time already! I did my initial mortgage, my refi and my investment property loan with him. He's a miracle worker, truly! If everyone tell you no, he'll find a way to the YES. Great service, easy communications, painless, quick and inexpensive. You get everything you expect and more, no hidden anything. I would give 6 stars if I could. Really!
Сonsultant: Alex Shekhtman
Roy A.
Really wanted to remodel my kitchen, but I couldn't afford it myself because I had just used all my savings updating my bathroom that needed some serious help. I decided to look into a home equity loan, and LBC Mortgage got me exactly what I was looking for. Now my home is exactly like I wanted it to be, and I still ended up with positive equity when I was done. Thank you so much for the loan and the great rate.
Сonsultant: Kimberly Orozco 
Daniel A.
We were referred to LBC Solutions through a friend of ours and I am glade we chose to go with them. Not only they put in the time to explain what needs to be done ASAP, they made sure that we were qualified with the program and the rate that we feel comfortable with. I worked with Ana and she was always available to answers any of our questions. Ana made sure we had all the paperwork that was need and that we were on track to close on a timely manner. Thank you to LBC Mortgage for making this a comfortable processes.
Сonsultant: Catherine Moore
Pasha R.
I have been working with Alex Shekhtman and his team for more than 10 years now and they are as good as it gets! Alex has so much experience in the business with Real Estate Loans. I can always trust when we have a deal together that it will go as smoothly as possible. His team is responsive and always on top of their files! I would HIGHLY recommend Alex Shekhtman and LBC Mortgage for any of your real estate mortgage needs. They will not only accommodate and help you, they will go above and beyond to make sure you come to them first the next time around. Pasha Rex, Broker at Pinnacle Estate Properties, Inc
Сonsultant: Alex Shekhtman
Lora K.
We purchased our first house with LBC Mortgage and after 8 months were able to refinance the property. Easy paperwork processing, very responsive and reliable LBC Mortgage team made our experience pleasant and efficient. Highly recommended firm! Trustworthy people! We are so grateful to all and everyone: Alex, Eugenia, Anastasia, Ani and others!!!! Thank you so very much for making our dream true!
Сonsultant: Alex Shekhtman
Anat A.
This year I had the opportunity to purchase my first home, I trusted LBC Mortgage to help me and guide me through the process and it's the best decision I ever made. Alex and his team always answered every question we had throughly and with a smile. They are very knowledge and professional, they work hard for you and close fast! I'm glad to have had the opportunity to work with them and achieve my dream of homeownership. It was a pleasure working with such a great team and I will definitely recommend them to anyone I know looking to buy a home. You were all all amazing. Thanks to you I am a homeowner.
Сonsultant: Alex Shekhtman
Maruf B.
I am a Alex client since 2006, and him and his team did a 3 mortgage transactions so far for me. I couldn't be any more happier, since these guys know banking and listen to each and everyones situation and make impossible - POSSIBLE! Their Strong Team work very close with each customer and they stand behind their customers, like in my case, all email questions or phone calls are answered right away with complete answers. Before starting process i was given with list of documents needed in order to get the purchase or refinance my current loan, so i don't get bugged from bank or the office that they need that paper or the other paper or if it was missing. No, they nailed it down so hard, that they know and have the idea of what could be the scenario and what could be needed for a bank, thats it, my job is done and REST EASY! In a super short period of time, the loan/funding process was complete, and, I'm, thrilled. I want to thank LBC Mortgage Solutions professional hard working team for their hard work, and was/am/will always refer my friends to them.
Сonsultant: Alex Shekhtman
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Personalized Services for Homebuyers
Tailored Mortgage Solutions Across Ten States
Whether you’re a first-time buyer or looking to refinance, LBC Mortgage provides personalized home loan solutions across six states. Our team of licensed mortgage professionals serves communities in California, Florida, Illinois, Colorado, Washington, Texas, North Carolina, South Carolina, Pennsylvania and Oregon offering expert guidance throughout your home financing journey. Additionally, if you’re seeking financing for an investment property, we offer nationwide services to meet your needs. We’re committed to making the mortgage process straightforward while helping you achieve your homeownership goals.
Why Choose LBC Mortgage?
LBC Mortgage takes a more personal approach than conventional lenders, taking time to understand your unique circumstances. Our customized mortgage solutions are designed to match your individual financial profile and goals. From first-time buyers to experienced investors and business owners, we have the knowledge and tools to find your ideal mortgage option. Our dedicated team works tirelessly to ensure you not only get competitive rates but also receive the support and guidance you deserve throughout the lending process.
Multilingual Expertise
Our diverse team breaks down language barriers by offering mortgage services in English, Spanish, Russian, Ukrainian and Hebrew. This multilingual approach ensures clear communication and helps you feel at ease while discussing your home financing needs. Whether you prefer to speak in your native language or English, our knowledgeable professionals will guide you through each step with clarity and cultural understanding, making your mortgage journey smoother and more comfortable.
| Services |  | Banks |
| No Administrative Fees | ||
| Access to 100+ lenders | ||
| In-house underwriting | ||
| A one-stop solution | ||
| Personalized approach | ||
| Minimum paperwork | ||
| Underwritten Pre-appovals | ||
| Bridge Loans |
Mortgage Broker VS. Traditional Banks
When it comes to securing a mortgage, LBC Mortgage stands out as a superior alternative to traditional banks. Unlike banks, which often treat clients as just another application, LBC Mortgage provides a personalized experience tailored to each client’s unique needs. With no broker fees and minimal paperwork, our process is streamlined to save you time and money. Our one-stop solution means you’ll receive comprehensive support throughout your home-buying journey, ensuring a seamless and hassle-free experience.
Another major advantage is our access to a network of over 100 lenders, giving you unmatched flexibility to find the best rates and terms. Traditional banks are often limited in their options, while LBC Mortgage provides a wider range of loan programs to meet your specific requirements. Whether you’re a first-time homebuyer or an experienced investor, we’re here to offer solutions designed to help you achieve your goals with ease and confidence.
Our Services Include
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Customized Loan Options
Whether you’re looking for FHA, Сonventional, NON-QM, Portfolio, Hard Money Loan, we tailor solutions to meet your needs.
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Credit Score Improvement Guidance
We help you boost your credit profile to secure better rates.
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Real Estate Market Insights
Stay informed with updates on housing trends and opportunities.
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Minimal Paperwork
We handle the documentation so you can focus on what matters most.
Get Started Today
Your journey to homeownership starts here. With our expertise and commitment to customer service, we make the process straightforward and stress-free. Take the first step by entering your email to schedule a free consultation.
Get StartedWhy Clients Love LBC Mortgage
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Personalized Attention
From start to finish, a dedicated manager will guide you, ensuring your questions are answered promptly.
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Exceptional Support
We simplify complex processes and ensure you have a hassle-free experience.
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Multilingual Team
We speak different languages to ensure you feel understood and valued.
Get in Touch
Whether you’re buying a home or are ready to refinance, our experts are here to help.
All You Need to Know About Mortgages
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Frequently Asked Questions
General Questions
1. How do I get pre-approved for a mortgage?
To get pre-approved, we’ll start with a quick 10-minute consultation to understand your situation. During this call, we’ll tell you what documents we need to review your application. Once we have everything, we usually provide pre-approval the same day. Ready to get started? Schedule your consultation now!
2. What makes LBC Mortgage different from other lenders?
At LBC Mortgage, we focus on personal service and finding the right solutions for you. We know the local market well and offer a variety of mortgage products, including options for self-employed individuals and newcomers. We’re here to guide you through the entire home-buying process.
3. Can I qualify for a mortgage if I’m self-employed?
Yes! We specialize in helping self-employed individuals get loans. Our team will work with you to understand your income and find the best mortgage option. We can often use alternative documentation to make it easier for you. Want to learn more? Contact us today!
4. Can I get a mortgage without showing my taxes?
Yes, some mortgage programs don’t require tax returns. For example, the DSCR (Debt Service Coverage Ratio) loan allows for alternative documentation, which is helpful for self-employed people or investors. Want to see if you qualify? Reach out for a consultation!
5. What should I do if my credit score isn’t perfect?
Don’t worry! Many of our clients have credit scores that need improvement. We can give you tips on how to boost your credit and connect you with helpful resources. Our goal is to find the right loan for you, even if your credit needs work. Interested in finding out more? Get in touch!
6. How long does the mortgage process usually take?
The timeline can vary, but once your application is complete and we have all the documents, we aim to close within 30 days. Our efficient process and dedicated team help keep things moving quickly. Want to know more about the steps? Contact us!
7. What happens if my loan application is denied?
If your application is denied, don’t worry—it’s not the end of the road. We’ll give you feedback on why it happened and guide you on what to do next to improve your chances for approval later. We believe in second chances and are here to help. Ready to explore your options? Contact us!
8. How do I choose the right mortgage product for me?
Choosing the right mortgage can feel overwhelming, but our team is here to help. We’ll take the time to understand your financial situation and goals before recommending the best options for you. We offer various choices, from conventional loans to hard money loans, ensuring you find the right fit. Want personalized advice? Schedule a consultation!
9. What are the benefits of working with LBC Mortgage?
When you work with LBC Mortgage, you’re not just getting a loan—you’re getting a partner in your home-buying journey. We provide personal service, a solid understanding of the local market, and access to many mortgage products. Our goal is to empower you with the knowledge and support you need to make informed choices. Ready to start? Let’s chat!
Refinancing
1. What is refinancing, and why should I consider it?
Refinancing means replacing your current mortgage with a new one, often to secure a lower interest rate, reduce monthly payments, or access cash for home improvements. It can help you save money over time or better align your mortgage with your financial goals. Want to see if refinancing is right for you? Contact us today!
2. How do I know if it’s the right time to refinance my mortgage?
The right time to refinance can depend on several factors, like current interest rates, your credit score, and how long you plan to stay in your home. If interest rates are lower than your current rate, or if you want to switch to a different loan type, it might be a good time to consider refinancing. Need help evaluating your situation? Schedule a consultation!
3. Can I refinance my mortgage without any equity?
Yes, some refinancing options, like FHA Streamline or VA loans, allow you to refinance even if you have little to no equity. However, your specific options will depend on your financial situation and the type of loan you currently have. Want to explore your options? Reach out to us!
4. What documents do I need to refinance my mortgage?
Typically, you’ll need to provide documents such as proof of income, bank statements, and information about your current mortgage. Our team will guide you through the documentation process to ensure a smooth experience. Ready to get started? Contact us for assistance!
5. How long does the refinancing process take?
The refinancing process can usually take 30 to 45 days, depending on your situation and how quickly we receive the necessary documents. Our team works efficiently to ensure your refinancing goes as smoothly and quickly as possible. Want to know more about what to expect? Get in touch!
6. Will refinancing affect my credit score?
Yes, refinancing can have a temporary impact on your credit score due to the credit inquiry and changes to your credit utilization. However, if you secure a better interest rate or payment terms, it could improve your financial situation in the long run. Have more questions about your credit? Contact us!
7. What are closing costs for refinancing, and how much should I expect to pay?
Closing costs for refinancing typically range from 2% to 5% of the loan amount. These costs can include appraisal fees, title insurance, and attorney fees. We can help you understand the costs involved and discuss options for rolling them into your new loan. Curious about your specific costs? Let’s talk!
8. Can I cash out when I refinance my mortgage?
Yes, cash-out refinancing allows you to access the equity in your home and use that cash for other purposes, such as home improvements, debt consolidation, or other expenses. It’s important to consider how this affects your overall financial situation. Want to explore cash-out options? Schedule a consultation!
9. What if I recently refinanced my mortgage — can I do it again?
Yes, you can refinance again even if you just did it recently, but it’s important to assess whether it makes financial sense. Consider factors like current rates, your financial goals, and the closing costs involved. Ready to evaluate your refinancing options? Contact us for more info!