Mortgage help in English & فارسی
Persian (Farsi-Speaking) Mortgage Broker in California
I’m Hossein Nasrollahi, a Farsi speaking mortgage broker and loan officer at Loan Factory, Inc. I help Persian and Iranian-American families buy, refinance and invest in California, Texas, Florida and Maryland, and we can talk in whichever language feels easier for you.
- NMLS #2087371
- 240+ Lenders
- English & فارسی
Why Work With a Farsi-Speaking Loan Officer
A mortgage comes with a lot of new words: escrow, rate lock, debt-to-income ratio, appraisal gap, closing disclosure. Even people who speak English every day at work tell me they understand these details better when we go over them in Farsi. That is the main reason to work with a Persian loan officer or a Farsi speaking mortgage broker. You can ask every question, including the ones that feel small, and get a clear answer before you sign anything.
As a Persian mortgage broker, I also understand how many of our families handle money. Parents often help with a down payment. Savings may have been built over years, sometimes in more than one country. Many people run their own business. These things are normal, but lenders have specific rules for each of them, and knowing those rules early saves a lot of stress later.
My background helps here too. I have a Bachelor’s and a Master’s in Accounting and more than 12 years of experience, so I read tax returns, bank statements and business numbers carefully. Because Loan Factory gives me access to 240+ lenders, I’m not limited to one bank’s programs. I can look for the lender whose guidelines fit your situation.
- Explanations in English or Farsi, by phone or email
- Loan estimates walked through line by line
- 240+ lenders compared for your scenario
- Licensed in CA, TX, FL & MD
Loans for Iranian-American Families
Most of the families I work with are buying a home to live in, moving up to a bigger place, or refinancing. Here are the situations that come up often when someone looks for an Iranian mortgage broker:
Gift funds from family
Many loan programs allow a gift from a relative toward the down payment. The lender will usually ask for a signed gift letter and a record showing the money moving from the giver’s account to yours. If the money comes from outside the United States, the paper trail matters even more. Every lender must follow U.S. anti-money-laundering and sanctions rules, so some transfers can’t be used. Talk to me before you move money, not after.
Buying with parents or relatives
Some families buy together, with a parent or sibling on the loan. A co-borrower’s income and debts are counted too, so we look at everyone’s numbers together and decide what makes sense.
First home in the U.S.
If this is your first purchase, start with my first-time home buyer guide. It covers down payment options, FHA and conventional loans, and state programs.
Foreign National & New-Arrival Buyers
Not every buyer is a U.S. citizen or green card holder. If you live abroad, or you recently arrived on a visa, you may still have options. Some lenders offer foreign national loans that don’t require a U.S. credit score, usually with a larger down payment and extra documents such as a passport, visa and proof of foreign income and assets.
Rules vary a lot between lenders, and some states limit property purchases by people domiciled in certain countries. Before you make an offer, read my foreign national loan page and let’s review your status, your funds and your timeline together.
Self-Employed Business Owners (Bank Statement Loans)
A lot of people in our community own a business: a restaurant, a dental practice, a trucking company, a consulting firm. Business owners often take legitimate tax deductions, which lowers the income shown on their tax returns. That can make a regular mortgage harder to get, even when the business is doing well.
A bank statement loan looks at your deposits over 12 or 24 months instead of your tax returns. It is a non-QM program, so rates and down payments are usually different from a conventional loan, but it can be the right tool for many self-employed borrowers. Learn how it works on my bank statement loan page. With my accounting background, I can help you understand which statements to use and how lenders will read them.
States I Serve: CA, TX, FL, MD
I’m based in California and licensed to originate loans in four states through Loan Factory, Inc. (NMLS #320841). You can confirm every license on NMLS Consumer Access.
California
DFPI license 02429722. Purchases, refinances and investment properties across the state.
Texas
Licensed in Texas. See NMLS Consumer Access for license details.
Florida
License LO113576. Primary homes, second homes and rentals.
Maryland
License 2087371. Purchase and refinance loans.
The Process, Step by Step
Here is what working with me looks like, from the first call to closing day.
1. A free conversation
We talk about your goals, budget and timeline in English or Farsi. No pressure and no cost to ask questions.
2. Apply online
You fill out a secure application with Loan Factory and upload documents such as pay stubs, tax returns or bank statements.
3. I compare lenders
I review your file and shop it with the lenders whose programs fit, then explain the options side by side.
4. Pre-approval and offer
You shop for a home with a pre-approval letter. When your offer is accepted, we lock a rate and order the appraisal.
5. Closing
I keep you updated through underwriting, review your closing disclosure with you, and you get the keys.
Frequently Asked Questions
Can we do the whole process in Farsi?
Yes. We can talk in Farsi at every step. Loan documents are usually in English, but I’ll explain each one in Persian so you know exactly what you’re signing.
Do I need to be a U.S. citizen to get a mortgage?
No. Permanent residents and many visa holders can qualify for standard programs, and some lenders offer foreign national loans for buyers who live abroad. Requirements depend on your status and the lender.
Can my parents help with the down payment?
Often, yes. Many programs accept gift funds from family with a gift letter and proof of the transfer. Money coming from overseas needs a clear paper trail, so plan the transfer with me first.
I'm self-employed. Can I still qualify?
Yes, there are several ways. If your tax returns show enough income, a conventional or FHA loan may work. If not, a bank statement loan uses your deposits instead.
Does it cost anything to talk to you?
No. A first conversation about your options is free. If you decide to apply, I’ll explain the costs of the loan clearly before you commit.
خلاصه فارسی
سلام، من حسین نصراللهی هستم، مشاور وام مسکن (Loan Officer) در شرکت Loan Factory با شماره NMLS 2087371. در ایالتهای کالیفرنیا، تگزاس، فلوریدا و مریلند مجوز دارم و میتوانیم تمام مراحل وام را به زبان فارسی پیش ببریم. من بیش از ۲۴۰ وامدهنده را برای شما مقایسه میکنم؛ از وام FHA و وام خریدار خانه اول گرفته تا وام Bank Statement برای صاحبان کسبوکار و وام برای اتباع خارجی. اگر سؤالی دارید، با شماره (630) 383-9504 تماس بگیرید یا به hossein@loanfactory.com ایمیل بزنید.
Talk to a Persian Mortgage Broker Today
Apply online in a few minutes, or call me and we’ll go over your options in English or Farsi.