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HomeTrust Financial

Purchase | Refinance | Second Mortgage | DSCR Investment Loans | Reverse Mortgage

HomeTrust Financial is a full-service mortgage company based in Valencia, CA. We help clients with home purchases, refinancing, second mortgages, and investment (DSCR) loans.

We currently serve all of California and are expanding into additional states. Our process is simple, and you can apply online securely from the comfort of your home—no pressure, no hassle.

DSCR Investment Loans

Built for real estate investors.

DSCR (Debt Service Coverage Ratio) loans qualify you based on the property’s rental income—not your personal income.

Key benefits:

No W-2s, tax returns, or traditional income verification
Qualify using rental income
Ideal for investors, self-employed borrowers, and LLCs
Purchase or refinance investment properties
Long-term rental and short-term rental options available

Whether you're growing your portfolio or refinancing an existing property, DSCR loans make it easier to scale.

Second Mortgage (Home Equity)

Put your home’s equity to work without touching your first mortgage.

Our fixed-rate second mortgages offer flexible terms of 10 to 30 years, giving you control over your monthly payment.

Use your equity for:

Home improvements or renovations
Debt consolidation
Solar or energy upgrades
Education expenses
Building a financial safety net

FHA & VA Streamline Refinance

Already have an FHA or VA loan?

A streamline refinance may help you lower your monthly payment with:

No appraisal (in most cases)
Minimal documentation
Fast and simple process

Even if your home value has decreased, you may still qualify.

Reverse Mortgage

Let us help you explore a reverse mortgage option that fits your needs and financial goals.

Discover options that may allow you to access your home equity — including a Reverse Mortgage Second that lets you keep your existing first mortgage in place with no required monthly mortgage payments on the new reverse loan.

Reverse Mortgage Second
Traditional HECM Reverse Mortgage
Proprietary Reverse Mortgage Options

Eligibility requirements apply. Borrowers must continue to meet loan obligations, including property taxes, homeowners insurance, and maintaining the home.

Get Started

Contact HomeTrust Financial today to review your options and find the loan that fits your goals.

Contact Us

25050 Avenue Kearny #103
Valencia, CA 91355

Phone: (818) 531-4125

morillo@hometrustfin.com

We're Here for You...

Every step of
the way

We understand the mortgage and refinance process can be stressful. That's why we're here as your partners to finance the home of your dreams with full transparency and clarity

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What Clients Are Saying About Us!

I was initially working with an different agent working to secure home loan. A family member introduced us to HomeTrust Financial, which at first I though was not a good idea. HomeTrust Financial exceeded my expectations and have proven me wrong! They guided me through the process and discussed all the pros and cons professionally. This certainly helps me made a well informed decisions. HomeTrust Financial and staff provided me with detailed clarifications on issues such as insurance coverage, property taxes, mortgage and interest rates, annual percentage rates, close out cost, escrow and others. They helped me secure the loan and saved my family a significant amount of money. I will be recommending HomeTrust Financial to anyone looking for help secure a home loan.

- Conrado G., 78414

Thank you HomeTrust Financial and staff! Hometrustfin.com has consistently provided top-notch service, guiding my wife and I through the mortgage process with care and professionalism every time we used them. Whether it’s navigating insurance or tax increases, they’ve always been there to answer my questions and provide expert advice. They’ve not only helped me secure home loans but have also saved my family a significant amount of money over the years. This mortgage company genuinely cares about you and your financial well-being, I highly recommend HomeTrust Financial to anyone looking for a home loan!

- Glenn A., 90026

We are so blessed to work with Home Trust Financial. It’s a one stop shop for home buying process. Marc and team walked us through the process from beginning (purchasing a home) to end (securing a loan) We are first time home buyers so they fill us in with a lot of pertinent information in order for us to make sound decisions. They treated us with kindness and respect. It was truly a memorable experience. They are a stellar, highly recommended!

- Annie T., 90745

HomeTrust Financial helped us with the purchase of our home here in Valencia. They are exceptionally reliable. Walked me through the entire loan process from start to finished thus closing escrow in less than 30 days. I got a very good interest rate on my mortgage, too. I would highly recommend them to anyone seeking a home loan.

- Flor G., 91354

As a real estate professional, I prioritize file security, trust, and expertise. HomeTrustFin.com consistently meet all these standards! Their dedication has saved my clients money on closing costs and I truly value their hard work and efficiency in always closing on time. The processing manager is reliable and delivers exceptional service. The main loan officer has also helped me multiple times in getting accepted offers and going out of his way to personally contact the listing agent. Marc has helped me structure my offers and has gone out of his way to do walkthroughs and inspections when I needed help. This mortgage company has gone far and beyond and I will always use them for my mortgage needs. I highly recommend them to everyone and anyone looking for a home loan! Thank you Team HomeTrust Financial!

- Rommeth J., 90031