HouseAmerica Financial

What HouseAmerica Financial does

HouseAmerica Financial Team at All Western Mortgage Inc. is a private, independent mortgage banker founded in 2018 and headquartered in La Cañada Flintridge, California. Operating as a direct lender and approved seller with Fannie Mae and Freddie Mac, the company originates residential mortgage loans across conventional, FHA, VA, non-QM, and non-conforming jumbo (up to $5M) programs, and in 2025 expanded into commercial and private money lending (fix-and-flip, multi-family, bridge, construction, SBA, and hard money). It also runs a specialized physician and medical professional mortgage program distributed through the Armenian American Medical Society.

The technology stack is built around Encompass as the loan origination system, with Maxa Design and Total Expert CRM powering marketing automation for loan officers, and Google Analytics, Facebook Pixel, Statsig, and Datadog supporting website analytics, experimentation, and performance monitoring. There is no evidence of proprietary AI/ML models; differentiation comes from flexible manual underwriting for non-traditional borrowers, in-house loan servicing on non-jumbo production, and an integrated referral channel via real estate agents including an in-house lender relationship with Keller Williams Hollywood Hills.

Revenue is generated primarily through transaction-based origination fees on mortgage loans, supplemented by recurring servicing fee income on retained non-jumbo portfolios. The customer base is fragmented across more than 6,500 families since inception, spanning first-time home buyers, real estate investors, medical professionals, and now commercial borrowers, with a geographic concentration in California (particularly Southern California) and a documented restriction around the District of Columbia. Cumulative funded volume exceeds $4 billion, but loan principal is not equivalent to company revenue.

Name

HouseAmerica Financial

Legal name

All Western Mortgage Inc.

Website

https://houseamericafinancial.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

HouseAmerica Financial is a private California-based direct mortgage lender (operating under All Western Mortgage Inc.) that originates conventional, FHA, VA, non-QM, jumbo, and commercial loans as a Fannie Mae and Freddie Mac approved seller, serving first-time buyers, real estate investors, and medical professionals across 6,500+ families since 2018.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

Keywords

• Residential mortgage lending
• Commercial lending services
• Home loan origination
• Mortgage refinancing
• Non-QM loan programs

Headquarters

HQ city

La Canada Flintridge

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Loan Origination: Revenue generated from originating residential and commercial mortgage loans. The company acts as a direct lender, earning interest income on loans originated and retained. They also earn origination fees from borrowers.
2. Loan Servicing: The company services most of their loans (except jumbo loans), collecting monthly payments and managing escrow accounts. This provides ongoing revenue stream from servicing fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

HouseAmerica Financial is a direct mortgage lender and approved seller with Fannie Mae and Freddie Mac, originating residential and commercial mortgage loans. It offers a full menu of loan programs including Conventional, FHA, VA, Non-QM, and Non-Conforming Jumbo products up to $5 million, plus a 2025-launched Commercial & Private Lending Division covering Fix & Flip, Multi-Family, Bridge, Construction, SBA, and Hard Money loans. The company also operates as the in-house lender for Keller Williams Hollywood Hills and runs a specialized mortgage program for medical professionals.

Product overview

HouseAmerica Financial Team at All Western Mortgage Inc. is an independent mortgage banker offering a unified residential and commercial lending platform. The core platform provides residential mortgage products including Conventional Loans, Jumbo Loans, FHA Loans, VA Loans, Non-QM Loans, and Down Payment Assistance programs, with loan amounts up to $5 million. The company operates as a direct lender and approved seller with Fannie Mae and Freddie Mac. Supporting tools include mortgage calculators and a glossary of terms. The 2025-launched Commercial & Private Lending Division expands the platform with Fix & Flip Programs, Multi-Family Loans, Bridge Loans, Construction Loans, SBA Loans, and Private Money (Hard Money) Loans. A specialized Physician & Medical Professional Mortgage Program offers eligible medical professionals loans up to $2 million with 0% down payment options and no PMI.

Differentiator

Problem solved

Functional benefit

Brands

• Physician & Medical Professional Mortgage Program: Specialized mortgage program designed exclusively for medical professionals including physicians, dentists, and healthcare specialists with features like loans up to $2,000,000, 0% down payment options, and no monthly mortgage insurance.
• Commercial & Private Lending Division

Products and services

• Conventional Loans Loan programs directed by Fannie Mae and Freddie Mac underwriting guidelines, among the company's most popular offerings for home purchase and refinance borrowers.
• Jumbo Loans Non-Conforming Jumbo loan products for larger loan amounts that exceed conventional loan limits, offered up to $5 million.
• FHA Loans Government-insured loans with a 3.5% minimum down payment and flexible underwriting and credit guidelines, targeted at first-time home buyers.
• VA Loans Loans for eligible military veterans featuring flexible guidelines allowing as little as 0% down and no mortgage insurance.
• Non-QM Loans Loan programs designed for borrowers who do not meet traditional qualifying requirements for conventional loans, including those with non-traditional income.
• Down Payment Assistance Programs connecting first-time home buyers with governmental agency resources for down payment assistance.
• Physician & Medical Professional Mortgage Program Specialized mortgage program exclusively for medical professionals including physicians and dentists, offering loans up to $2 million with 0% down payment options and no monthly mortgage insurance, addressing delayed earnings and student loan obligations.
• Commercial & Private Lending Division Commercial lending division offering Fix & Flip Programs, Multi-Family Loans, Bridge Loans, Construction Loans, SBA Loans, and Private Money (Hard Money) Loans for investors, property flippers, builders, and small business owners.
• Fix & Flip Programs Financing programs designed for builders and investors to fund property acquisition, renovation, and resale projects.
• Multi-Family Loans Competitive financing for residential properties with five or more units.
• Bridge Loans Short-term financing for ground-up construction and renovation projects across residential and commercial real estate.
• Construction Loans Financing for ground-up construction and renovation projects across residential and commercial real estate.
• SBA Loans Flexible SBA financing options tailored for small business owners seeking growth capital.
• Private Money (Hard Money) Loans Fast, asset-based funding for investors, property-flippers, and other time-sensitive commercial projects.

Quantifiable outcome

• Over $4 Billion in loans funded since 2018
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core, major and minor.

• Armenian American Medical Society (AAMS)coreGTM or Marketing PartnerAAMS has partnered with HouseAmerica Financial to provide access to a specialized home-financing program designed exclusively for medical professionals. This program is offered as a member benefit, giving AAMS physicians and healthcare professionals access to education, advisory services, and exclusive mortgage programs with special discounts.
• Fannie MaecoreStrategic or Co-development PartnerHouseAmerica Financial is an approved seller with Fannie Mae, enabling them to sell mortgage loans on the secondary market and access competitive loan products for borrowers.
• Freddie MaccoreStrategic or Co-development PartnerHouseAmerica Financial is an approved seller with Freddie Mac, providing access to secondary market capabilities and competitive mortgage products.
• Keller Williams Hollywood HillsmajorGTM or Marketing PartnerFredrik Megerdichian serves as the in-house lender for Keller Williams Hollywood Hills, presenting educational classes like 'Mortgage 101' to realtors and generating referrals from the brokerage.
• Tom Carrington, RealtorminorGTM or Marketing PartnerReal estate professional who refers high-quality borrowers to HouseAmerica Financial for mortgage financing.
• iRealty (Robyn Snodgrass)minorGTM or Marketing PartnerReal estate brokerage whose agent collaborated on loan transactions and referred borrowers to HouseAmerica Financial.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• NewRez (formerly New Penn Financial): Direct lender and GSE-approved seller offering retail and wholesale mortgage products including non-QM. Comparable structure as a non-bank mortgage lender competing in similar product segments.
• Caliber Home Loans: Direct-to-consumer mortgage lender offering conforming, government, jumbo, and non-QM products. Comparable mid-size retail mortgage model with similar product breadth and target borrower segments.
• Guaranteed Rate: Retail-focused mortgage lender offering conventional, FHA, VA, jumbo, and specialized products. Directly comparable business model with strong digital capabilities and realtor channel focus.
• Homebridge Financial Services: Mid-size mortgage lender offering retail and wholesale products including conventional, government, and non-QM. Comparable scale and product positioning, primarily operating in the retail channel.
• Rocket Mortgage: Largest U.S. retail mortgage lender offering a similar full-menu product suite (conventional, FHA, VA, jumbo) via direct-to-consumer and partner-referral channels. Direct competitor for borrower mindshare and realtor partnerships.
• loanDepot: National retail and wholesale mortgage lender with comparable product breadth including conventional, government, jumbo, and HELOC products. Competes for the same realtor referral channels and purchase-mortgage borrowers.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender and approved seller with Fannie Mae/Freddie Mac. Competes for the broker and correspondent channel relationships that HouseAmerica relies on for bottom-of-funnel volume.
• CrossCountry Mortgage: Retail mortgage lender offering full product menu including conventional, government, jumbo, and non-QM. Similar mid-size retail model competing in many of the same regional markets.

Emerging players

• Better.com: Digital-first mortgage lender competing for the same direct-to-consumer borrower with a streamlined online application experience. Represents the technology-driven competitive threat to traditional retail lenders.

Regional players

• KBHS Home Loans: California-headquartered mortgage lender offering conforming, government, and specialty products. Directly comparable geographic focus and similar positioning as a Western U.S. regional lender.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCL4vtNJhbsVQaINa5rMNh8Q
• Facebookfacebook.com/houseamericafinancial
• LinkedInlinkedin.com/company/houseamerica-financial
• Instagraminstagram.com/houseamericafinancial

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HouseAmerica Financial