License #01780076


Los Angeles Mortgage Broker says: Your Home Mortgage Loan May Be the Largest Financial Commitment You Ever Make

First Step - Call a Mortgage Broker

With so much money at stake, and the legal
details so hard to fathom, home buyers are
justified in being cautious about their decision
to take out a mortgage. Whether you are a
first-time homebuyer, refinancing for cash
out or a lower rate, or considering an investment
or commercial property, you need a knowledgeable professional to help you determine your best
possible deal - and who can make it happen.
Contact Us At: 424-354-5325

Current Interest Rates for Mortgages in So Cal

DON'T BE Fooled by website mortgage rate quotes. Your rate will be determined by a long list of specific details unique to you, including:
  • Date you lock
  • Amount of down payment
  • Total amount of loan
  • Your credit score
  • Use of mortgage insurance
  • Term of the loan
  • The lender used
  • Fees and costs
It only takes a few moments on the phone to give you a realistic quote. When you trust your loan to Guaranteed Rate, we will deliver the lowest cost loan for your circumstance. Call Bill Rayman now at 424-354-5325
*First Name:   *Last Name:
*Email: *Phone:
Desired Loan Amt.: Est. Home Value:
Loan Type:


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I'm working towards getting the First Time Home Buyers' Rebate. Bill had me preapproved within 24 hours.
Brian Kirk
Bill is really good about getting to know his clients. He has a wide experience base and has been a great strategic parter for me and my clients. He has had solutions for even the hardest situations.
Amin Khakiani - Investment Advisor
See More...

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Bill Rayman

Vice President of Mortgage Lending
NMLS ID# 262951
Phone: 424.354.5325
Cell: 310.453.4016
Fax: 773.357.4672

  FHA Home Mortgages - Only 3 1/2% Down
Bill Rayman was at the forefront of moving his clients back to FHA home mortgages when the subprime bubble burst. See his VIDEO on FHA mortgages and their benefits.
  Alternative Documentation Loans
If you are in business for yourself, have income that is difficult to document, have large swings in your income, or other unusual situations, you may be able to qualify for a stated income mortgage in Los Angeles or anywhere in California. In these unique circumstances you may not need income tax returns or other documents normally required.

Call to learn more with no cost or obligation.

See Bill's video here on Alternative Documentation Loans to learn more about who qualifies and how to proceed. If it doesn't apply to you, it may apply to a friend of family member.
  Bill Rayman is Vice President of Mortgage Lending at Guaranteed Rate
Bill has substantial experience handling jumbo loans ($750,000 - $6,000,000), for both residential and commercial properties, as well as the many, related complex issues. He is Vice President of Mortgage Lending for Guaranteed Rate, one of the largest originators of home loans in Los Angeles. Their vast resources assure of finding the best possible rates and terms.
  Low Credit Score - We Can Help
If you have a difficult situation due to income verification, low credit score, or unique real estate challenges, Bill has probably seen it before. He networks with a group of professionals whose legal, construction, real estate and financial backgrounds will help you find the way through even the most unusual proposal.
  Refinancing Mortgages - Now May Be the Time
As of 2014, Mortgage interest rates continue to be available far below rates commonly available over the last 50 years. You may want to consider refinancing your existing mortgage into a new fixed 30 year loan at these amazing rates. Other reasons to consider refinancing your mortgage at this time would include: getting cash out for remodeling, education, investment, or medical expenses; reducing the interest rate or term; consolidating other debt that has higher interest rates; going to a fixed rate from an ARM.

More Calculators
Interest Only Payment

Mortgage Amortization

How Much Can I Afford

Should I Refinance

Rent vs. Own

FHA Loan Limits
What ever your home mortgage needs are at this moment - where ever you are in the process - you need a seasoned professional who can help you make the best decision for you and your family. Bill Rayman is an independent mortgage consultant who can provide you with the personal attention you need.

There are many options for you to get started!

Telephone:  424-354-5325
Fax:  773-357-4672
Telephone:  424-354-5325
Fax:  773-357-4672
Telephone:  424-354-5325
Fax:  773-357-4672
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Mortgage Broker Los Angeles

As a Los Angeles Mortgage Broker and Banker, We Can Help You With Home Loans, Mortgage Refinance, Commercial Mortgages, FHA Home Mortgage Loans, Investment Property Mortgages, and Loans for Second Homes Throughout California Including the Following Cites:

West Los Angeles Beverly Hills Santa Monica Bel Air Brentwood Pacific Palisades
Culver City Encino Pasadena Long Beach Torrance Orange County
If you are not located in California, we are licensed to help you in every state in the US. Call (424) 354-5325
Bill Rayman Home Mortgages - mortgage broker for home loans and mortgage banker
12121 Wilshire Boulevard, Suite 350
Los Angeles, CA 90025
Phone: (424) 354-5325