A Reputation for Excellence
YourMortgageStrategyPartner
Concierge-level mortgage advisory for homebuyers, investors, and real estate agents. Clarity, confidence, and precision at every step.
Helping Buyers and Agents Win With a Better Mortgage Experience
Delarosa Financial helps buyers move forward with clarity and confidence while giving real estate agents a mortgage partner they can trust. From clean pre-approvals to complex scenarios, we structure loans correctly upfront, communicate clearly, and help protect the deal from pre-approval to closing.
The Process
Your Mortgage Experience in 4 Steps
Simple, strategic, and built to help you move with confidence.
Get Approved
Start with a full review of your income, credit, assets, debts, and goals. We structure your loan strategy upfront so you know where you stand before you shop.
Shop With Confidence
Once your pre-approval is built correctly, you can search for homes with a clear budget, stronger guidance, and a better understanding of your monthly payment.
Win the Offer
Our team helps strengthen your offer with clear communication, a confident pre-approval, and direct lender support that helps your real estate agent negotiate with confidence when it matters most.
Close With Clarity
From contract to closing, we guide the process, communicate every step, and help you move forward without last-minute surprises.
Mortgage Programs
Mortgage Strategies Built Around You
From conventional and jumbo loans to bank statement programs, DSCR investor financing, doctor loans, and complex custom scenarios — we access dozens of lenders to match you with the right program at the best available rate.
As a broker, we offer more programs and lower rates than traditional direct lenders and retail banks.
View Loan ProgramsOur Difference
Why Clients Trust Delarosa Financial
A first-class mortgage experience built on speed, strategy, and white-glove service.
24-Hour Pre-Approvals
We move fast. Most clients receive a fully reviewed pre-approval within 24 hours of submitting their application.
Complex Scenario Expertise
Self-employed, investor, foreign national, ITIN — we specialize in scenarios that other lenders turn away.
Access to More Programs
As a broker, we shop dozens of lenders to find the best rate and program for your specific situation.
White-Glove Communication
You will always know where your loan stands. We communicate proactively, clearly, and with urgency.
Loan Structuring Upfront
We review income, credit, assets, and debts before you shop — so there are no surprises at the closing table.
VIP Availability
We are available 7 days a week because real estate doesn't stop on weekends — and neither do we.
For Real Estate Agents
Why Real Estate Agents Trust Delarosa Financial
We protect your deals, strengthen your offers, and make you look great in front of your clients.
Offer-Strengthening Pre-Approvals
Our pre-approvals are fully reviewed upfront — giving your buyers a competitive edge in any market.
Fast, Reliable Closings
We protect your timeline. Our process is designed to close on time, every time.
Clear Communication
You'll always know the status of your client's loan. No chasing, no guessing.
Complex Scenario Support
Self-employed, investor, or non-traditional income? We handle the difficult files other lenders decline.
Deal Protection
We identify and resolve potential issues before they become problems — protecting your commission and your client.
Concierge Service for Your Clients
Every client you refer receives the same white-glove experience you'd expect for yourself.
Client Testimonials
Real Results From Real People
"I was immediately impressed with how personable Ajay Delarosa was. He felt like a friend who was personally vested in our success. Due to his diligence we were able to close on a jumbo home loan in under 15 days. In this day and age it's hard to find fellow professionals who provide the white glove service that Ajay provided."
Dr. Remi Sarna, DDS
Doctor of Dental Surgery
"The best experience I've had securing a home loan. Ajay has gone above and beyond to close quickly and efficiently — even calling the seller agent to reassure them of our buying confidence. That is what helped us win the bid and our new home."
Ling Tang
Partner Marketing Manager at NVIDIA
"Ajay and his team were very communicative and punctual throughout the entire escrow process. We were able to close on a CA home in less than 3 weeks! Ajay was also able to get me a much better rate and closing costs as an Active Duty service member over other major VA loan competitors. Can't say it enough that Ajay cares about his clients and did his best to meet our needs in a home. Highly recommend to anyone looking to buy a home, I will be coming back the next time I am looking."
Timothy Velasco
US Army Commander
Service Area
Licensed Service Area
Delarosa Financial Inc. is licensed to originate mortgage loans in the following states:
Get Started Today
Experience Mortgage Excellence
Without Compromise
From pre-approval to closing — with us, you're not a number, you're family.
Takes 3 minutes to start your pre-approval