California Home Loans.
No More Overlays.
A direct lending partner providing specialized refinance programs for California homeowners turned down by traditional banks.
Check Eligibility
Explore Refinance Options with Alternative Documentation.
The Omni Fund Advantage
We accept FICO scores as low as 500 for California refinance programs.
Use your home’s equity for renovations, debt consolidation, or financial goals.
Bypassing The Big Bank Obstacles
- Direct Lending Power: We are the bank—no middleman overlays and faster closing speeds.
- Second Mortgages: Flexible solutions that don't affect your primary low-interest rate.
- Alternative Documentation Programs: Custom solutions for self-employed borrowers and those with non-traditional income.
- Asset-Based Underwriting: We look at your home's value, not just a credit score.
- California Specialists: Deep local expertise in high-value California real estate.
"California homeowners shouldn't be penalized for one denial. We provide the right loan programs that banks simply don't have."
Why We Are Different
| Requirement | Traditional Banks | Omni Fund |
|---|---|---|
| Lender Overlays | Strict & Restrictive | Zero Overlays |
| Min. Credit Score | Usually 640+ | 500+ Accepted |
| Income Proof | Extensive Paperwork | Alternative Documentation Options |
Don't Let One Denial Stop You
Refinance your California home with Omni Fund today. Explore options even if you've been turned down elsewhere.
Apply Now & Explore Your OptionsFrequently Asked Questions
What is a "Lender Overlay"?
Overlays are extra restrictions banks add to standard guidelines. We operate with zero overlays for faster, easier approvals.
Can I apply with a 500 FICO score?
Yes. We specialize in low credit score options starting at a 500 FICO.
How does documentation work?
Our Alternative Documentation Programs offer flexible qualification options depending on borrower profile.
What can I use cash-out for?
Homeowners often use equity for debt consolidation, renovations, or other major financial goals.
How fast is the process?
Initial reviews are typically completed within 24-48 hours.
Is there any obligation to move forward?
No. Reviewing your options is simply a way to understand what programs may be available to you.
Do you offer 2nd Mortgages?
Yes. We provide flexible 2nd mortgage solutions that do not affect your primary loan.
Are you a direct lender?
Yes, we are a direct lender, which allows us to offer more flexible terms and faster funding.