Your One-Stop Shop for Smarter Financing — Refi, SBA, HELOCs, Second Mortgages & More!
Office: 28202 Cabot RoadSuite 300Laguna Niguel, CA 92677
Call (714) 875-5626
Email: [email protected]
Site: FirstPlatinumLending.com
First Platinum Lending
Here are our available rates and products. Not sure which to choose?
Find out which options are right for you!
HOME EQUITY LINES
5 MINUTE APPROVALS
Stated Income Loans to $1 Million
90% LTV on your Home
80% LTV on Rental Property
NO APPRAISAL REQUIRED OPTIONS
100% FINANCING FHA LOANS
100% CLTV - Rates from 5.50%!
Any Cal SFR, Condo or Duplex
96.5% LTV FHA Loan + 3.5% LTV 2nd TD
Co Borrowers can help qulify
600 FICO credit score eligible
APARTMENT & COMMERCIAL
CONSTRUCTION & SBA
Apartment loans from 6.25% loans $500,00 to $8 million no tax returns required purchase or refi to 80% LVT
SBA loans - rates from 7.00% loans from $500,000 to $10 million purchase or expand a business 95% LVT + working capital use projected income to qualify property ownership not required
REVERSE MORTGAGE
No qualifying or loan payments
Cash out refinance or purchase
Fixed loan or growing equity line
Loans to $2 million - rates from 7.25%
Get in Touch With Us
Our Loan Officers can answer all your questions and walk you through your mortgage options. No hassle, No Obligation just answers.
Office: 28202 Cabot RoadSuite 300Laguna Niguel, CA 92677
Call (714) 875-5626
Email: [email protected]
Site: FirstPlatinumLending.com
How to Get Approved
Wondering how it all works? Here are a few of the criteria we take into account.
Down Payment
Most loans require 3–20% down, and a higher down payment can help you qualify more easily and secure better terms.
Credit Score
A good credit score (typically 620 or higher) shows lenders you're financially responsible and can lead to lower interest rates.
Employment History
Lenders prefer at least two years of stable employment in the same field to verify consistent income.
Debt-to-Income Ratio
Keeping your debt-to-income ratio below 43% shows you can manage monthly payments and helps you qualify for a mortgage.
About Me
John Aubel
John Aubel is the Broker and Owner of
First Platinum Lending
, where he leads with over 15 years of hands-on experience in residential and commercial lending. Known for his ability to structure creative and competitive financing, John specializes in a wide range of loan solutions tailored to meet the unique needs of real estate investors, business owners, and individual borrowers.
His areas of expertise include:
Multifamily Loans SBA Loans (Small Business Administration)Commercial Real Estate Financing Interest-Only Loans Construction and Land Loans Owner-User and Single-Tenant Industrial Loans
John is committed to helping clients navigate complex financial scenarios with clarity and confidence. Whether you’re seeking a loan for a new investment property, expanding your business, or breaking ground on a development, John delivers high-level insight and a streamlined lending process designed to get results.
Home Ownership Made Easy
John is committed to helping clients navigate complex financial scenarios with clarity and confidence. Whether you’re seeking a loan for a new investment property, expanding your business, or breaking ground on a development, John delivers high-level insight and a streamlined lending process designed to get
results
Office: 28202 Cabot RoadSuite 300Laguna Niguel, CA 92677
Call (714) 875-5626
Email: [email protected]
Site: FirstPlatinumLending.com