Our Mortgage Solutions Tailored to Your Needs
Endless Mortgage Options
No two borrowers are the same, which is why we offer a wide range of mortgage solutions to fit different goals and financial situations. From VA, Conventional, and FHA loans to Non QM, refinance, and investor financing, we help match you with the right option and guide you every step of the way.
Comprehensive VA Loan Options
VA loans offer powerful benefits for eligible veterans and active duty service members. We provide a full range of VA loan options designed to make homeownership more accessible, with flexible qualification, competitive terms, and clear guidance every step of the way.
We provide streamlined financing solutions for real estate investors looking to move quickly and scale their portfolios. From DSCR loans to flexible investor programs, we focus on speed, clarity, and structuring deals that make sense.
Comprehensive Mortgage Solutions Tailored for You
We understand that every borrower has a distinct journey. That’s why we focus on personalized service and effective communication throughout the entire mortgage process. Our team is dedicated to providing clear guidance and support, whether you are exploring refinancing options or seeking DSCR loans for your investment properties. Let’s work together to turn your home ownership aspirations into reality
What Our Clients Say
Frequently Asked Questions
What types of mortgage loans do you offer?
We specialize in a range of mortgage options including VA loans, Conventional loans, FHA loans, Non-QM loans, and refinancing solutions. Whether you're a first-time buyer, veteran, or looking to invest, we have tailored solutions to meet your needs.
What are the costs associated with obtaining a mortgage?
Costs can vary by loan type and your financial situation, but typically include application fees, appraisal fees, and closing costs. Our team will provide a clear breakdown of all potential fees associated with your mortgage, ensuring you know what to expect.
How can I get pre-approved for a mortgage?
To get pre-approved, you can start by filling out our online application or scheduling a consultation with one of our mortgage experts. We'll review your financial situation and give you a pre-approval letter that outlines the loan amount you qualify for, helping you to act quickly when you find the right property.
Do you offer support for self-employed borrowers?
Yes, we understand the unique challenges self-employed individuals face and offer tailored mortgage solutions to accommodate various income sources. Our experienced team will guide you through the documentation process, ensuring you have the support you need.
What if I have less than perfect credit?
We work with a variety of lenders that offer options for individuals with less than perfect credit. While it may impact your loan terms, we can guide you through available programs and help you understand how to improve your credit for better financing options.
Can I refinance my existing mortgage with you?
Absolutely. We offer various refinancing options that could lower your monthly payments or help you access home equity. Our mortgage specialists will analyze your current loan and provide the best solutions for refinancing based on your financial goals.
How long does it take to close on a mortgage?
Closing times can vary but typically range from 30 to 45 days after your application is submitted. Our team works diligently to ensure the process remains on track, communicating with you every step of the way to minimize delays.
Our Team
Shane Tibiatowski
Branch Manager
Shane Tibiatowski is a mortgage broker and US Navy veteran who brings discipline, accountability, and a results driven approach to every client. He works with VA, Conventional, FHA, Non QM, and investor loan options, focusing on clear guidance and strong execution. His goal is to keep the process straightforward and help clients move forward with confidence.
Heather Tibiatowski
Processing Manager
Heather Tibiatowski plays a key role in the Tibiatowski Group, helping create a smooth and organized experience for every client. As a dedicated wife, mother of nine, and partner, she brings structure, attention to detail, and a genuine sense of care to the process. Her focus is on making sure clients feel supported, informed, and confident from start to finish.
Get In Touch
Unlock Your Path to Homeownership Today
Contact us for expert guidance tailored to your unique situation, whether you're a first-time buyer, veteran, investor, or looking to refinance. Our dedicated team is here to help you find the right mortgage solution. Experience professional partnership that leads to results you can trust.
By the numbers
License Information
WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
17911 Von Karman Ave, Suite 400, Irvine CA 92614
NMLS #194550 Company Info NMLS# 1566096 DRE# 02022356
