I'm a Mortgage Expert & Educator
“Mortgage education empowers real estate professionals to turn questions into confidence, obstacles into opportunities, and clients into lifelong relationships.”
About Me
AMIR AMIRI | LOAN OFFICER
Mortgage Professional with a Passion to Educate
Amir is a seasoned Loan Officer and professional Mortgage Broker with many years of experience in California’s dynamic mortgage market. His passion lies in continuously learning the ins and outs of the loan process and staying up to date on the wide range of mortgage products available. Amir leverages this knowledge to educate his real estate agents and broker partners, empowering them to better serve their clients with tailored financing solutions. His commitment to sharing valuable insights helps real estate professionals enhance client satisfaction and grow their business through informed, strategic lending guidance.
How Real Estate Professionals Benefit
Amir believes the education he provides is essential for real estate professionals.
By helping them understand the loan process and the wide range of financing options available, he empowers them to better guide their clients and address key questions with confidence. This knowledge reduces potential delays, improves overall communication, and ensures clients are matched with the best loan solutions for their specific needs. Amir’s guidance ultimately leads to smoother closings, stronger client relationships, and long-term success for the agents and brokers he works with.
Watch the video to learn more about who Amir is and how his expertise as a seasoned mortgage broker can support you. Discover his passion for his clients and his dedication to educating real estate professionals and how his knowledge can help you better serve your clients.
Typical Loan Categories
There are four loan families
Conventional loans are traditional mortgages not backed by any government agency. They include conforming loans that meet Fannie Mae and Freddie Mac guidelines, as well as non-conforming loans like jumbo loans. These are ideal for borrowers with strong credit, steady income, and a decent down payment. They also include construction loans, which finance new builds or major renovations and may convert into a standard mortgage after completion.
Government-backed loans are insured by federal agencies such as FHA, VA, or USDA and are designed to make homeownership more accessible. FHA loans help first-time buyers with low down payments and flexible credit. VA loans offer zero-down financing for veterans and active military. USDA loans target rural and suburban buyers, requiring no down payment but with income limits. These loans come with easier qualification standards and reduced risk for lenders.
Non-QM loans are tailored for borrowers who don’t meet standard lending rules, such as self-employed individuals, those with high DTI, or unconventional income. They use flexible documentation like Bank Statements, Asset-Based Income, or Rental Cash Flow. This category includes Foreign National Loans for non-U.S. residents purchasing U.S. property, ITIN Loans for borrowers without a Social Security number, and P&L Loans, which use profit & loss statements to verify income—ideal for self-employed borrowers without traditional docs. Non-QM loans offer flexibility, but usually come with higher interest rates.
Business, Commercial, and Investment loans are designed for income-producing properties or business-related financing. They include government-backed SBA loans for small businesses and private Commercial Real Estate (CRE) loans for properties like offices, retail centers, or apartment buildings. Investors often use DSCR loans, which are approved based on property rental income rather than personal income. These loans come with customizable terms such as interest-only payments or balloon structures and are essential for scaling real estate portfolios or growing businesses.