Who We Are

At Loyalty Funding, Inc. we believe that achieving your dreams can be possible. We are committed to helping you find the best option when refinancing your home. Our experienced loan officers and underwriters will work diligently from eligibility to loan closing and everything in between. Ensuring you comfortability and security with every step of the process. As a VA lender, Loyalty Funding, Inc. proudly serves veterans with our VA loan option.

Our Process

Our loan officers will guide you through steps and information to find the best loan option suitable for you. Through excellent communication and a detailed approach, we make our borrowers comfortable and confident. Our in house underwriters work closely with our loan officers for a smooth loan fund until closing.

We value our clients and we are focused on the achievement of the American Dream.

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VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low-interest rates and no down payment requirement.


FHA home loans are mortgages that are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.


A Jumbo mortgage is a plus-size home loan weighing in at a dollar amount above what are called the conforming loan limits for any mortgage more than $453,100.



A conventional/conforming loan is especially good for first-time borrowers with decent credit and some amount of down payment. The minimum accepted credit score for most conventional loans is 620.


The loan will be paid off in 15 years with less interest because the course of payment is shorter.


Borrowers pay off the mortgage in 30 years. Interest will be more over the life of the loan compared to a 15-year fixed, BUT monthly payments will be lower.


A non-QM loan is not inherently high-risk, nor is it subprime. It is simply a loan that doesn’t fit into the complex rules associated with QM.


"Dora and her Team will help you with any loan that is available for your circumstance. We have had the opportunity to use Loyalty Funding Inc twice for the refinance of VA loans. Dora and her team can handle any situation that may affect your loan requirements. If you use this Company you will be satisfied above and beyond any other experience, you may have encountered. The process is all handled on her end and very little work is needed on your end. Quick, efficient, professional and precise. Don't hesitate to ask for a second opinion on any loan you have. I have referred Dora to dear friends of which she helped also. I think of her and her team as my extended family and highly recommend Loyalty Funding Inc. At least call them with any question before proceeding with your current loan."

—  Teresa from Bailey, CO.



Loyalty Funding, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of 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.

NMLS ID: 1649726

NMLS Consumer Access Website




Our Address

19700 Fairchild Ave, Suite 330,

Irvine, CA 92612

Our Phone No.