Ruben Torres
Branch Manager
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Your Exclusive Partner
A local team in Palmdale, a straight answer about what you can afford, and one person with you from application to keys.
Why Exclusive
You'll know the name of the person handling your loan
Our digital loan process and team of expert mortgage lenders are ready to help you finance your dream home. No call center, no getting passed around — one point of contact who picks up the phone and tells you what's happening before you have to ask.
How it works
Three steps, and we're with you for all of them
1
Tell us about you
A quick call or the form below. We'll ask what you're hoping to buy and where you're at — no credit pull yet.
2
Get pre-approved
We'll show you what you qualify for and what the payment really looks like, so you can shop with confidence.
3
Close and move in
We handle the paperwork and keep you posted every week. You'll always know what's happening and what's next.
Loan options
Whatever brought you here, we've done it before
First-time homebuyers
Down payment assistance, what to fix on your credit first, and how much house actually fits your budget.
Learn more
Refinancing
Lower your payment, shorten your term, or pull cash out. We'll run the numbers honestly — including when it isn't worth it.
Learn more
VA loans
Zero down, no mortgage insurance, and help pulling your Certificate of Eligibility. Let's put your benefit to work.
Learn more
All loan products
Self-employed, investment property, jumbo, FHA. If your situation doesn't fit a standard box, that's usually fine with us.
Learn moreMortgage calculator
Curious what a payment looks like?
Slide it around and see. It's an estimate, not a quote — but it's the same math we use, and it'll get you close before we ever talk.
$ 0 /mo
Principal & interest
$525,000
10% · $52,500
Loan amount$0
Total interest over the term$0
An estimate, not an offer. Assumes a fixed rate, property tax around 1.1% of the price per year, $125/mo insurance, and PMI at 0.6% of the loan if you put down less than 20%. Your real rate depends on your credit, the property, and the program.
The team
The people you'll actually be working with
Local, licensed, and reachable. Give us a call and you'll get one of these folks — not a queue.
Victor Ortega
Branch Manager
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Hennigstong Aguirre
Branch Manager
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Reviews
What they say about us
★★★★★
Ruben and his team always go above and beyond for their clients. They are on top of things and always quick to respond. The whole process is always easy and I really appreciate that he always keeps me informed.
★★★★★
Ruben, Pablo, and the entire crew were easy to work with from start to finish. I was able to skip two months of mortgage payments, lower my interest rate, and pay a smaller mortgage bill every month. Highly recommended!
★★★★★
Worked with Hennigstong and Tony through my refinancing process. They were very communicative and helpful through each step by sending updates and explaining any changes that were made.
Contact us
Tell us where you're at
No credit pull, no obligation, no pressure. Send this over and one of us will get back to you the same business day.
- (323) 719-7654Mon–Fri, 9am–6pm
- ruben@exclusivemortgageco.comWe answer every one
- 1061 W Avenue M-14, Suite CPalmdale, CA 93551
Ready to get started?
The application takes about fifteen minutes, and you'll know where you stand within a couple of days.
Apply now