Message From Kruti
“I am a passionate advocate for my clients, whether first-time home buyers or seasoned investors. With over 20 years in the mortgage industry, I can confidently guide you towards options that are right for you. Contact me today and let’s discuss how to best help you achieve your goals. “
About Kruti
With over 20 years of experience in the mortgage industry, Kruti brings specialized knowledge and experience to every loan consultation. As a trusted and dedicated loan officer, Kruti has a wide range of product knowledge, including Jumbo loans, Conventional, FHA, VA, and specialty products such as Non-QM loans and second mortgages.
Throughout her career, Kruti has built a reputation for her personalized approach and tailored solutions. As a top reviewed loan officer on Zillow, clients trust Kruti to advise them on their home ownership journey. She is well-versed in product knowledge, rates, and extremely personable. Because of this approach, she has lasting relationships with her clients. Her transparency and fast efficient service stands out in the loan process. Whether guiding a family through their first home purchase or assisting a client with a complex Jumbo loan, Kruti helps make the lending experience as smooth and stress-free as possible.
Mortgage Products
Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.
DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.
1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.
Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.
Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.
FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.
VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.
Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.
Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.
ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.
2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option
HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.