Theós Financial · Valencia, CA

Home is more than a number on a statement.

Theós Financial Inc is a mortgage broker licensed in California and Washington. We shop your loan across multiple wholesale lenders and explain every option in plain English, from the first quote to the keys.

Get a quoteCall (661) 812-3950
ConventionalFor buyers with established credit and savings. From 3% down, with mortgage insurance that can be cancelled.Learn more →GovernmentFHA, VA and USDA loans. Flexible guidelines and low or no down payment for buyers who qualify.Learn more →Non-QMBank statement, 1099, P&L and DSCR programs for income that does not fit on a W-2.Learn more →

Licensed in California and Washington. Accountable to you.

A mortgage broker, not a lender. Every loan we arrange is funded by a lender we chose for your file, and every number is on your Loan Estimate before you sign.

  • NMLS2685114
  • CA DRE02253229
  • OfficeValencia, CA
  • Equal HousingOpportunity
Broker vs. bank

A broker works for you. A bank works for the bank.

One bank has one rate sheet. We compete for your business by shopping your scenario across many lenders, then telling you plainly which one fits and why.

  • One application, shopped across multiple wholesale lenders.
  • Wholesale pricing that a single bank cannot match on every file.
  • A licensed loan officer who answers the phone, not a call center.
  • Programs for self-employed, first-time and jumbo buyers under one roof.
  • Every cost shown on your Loan Estimate before you commit.
  • An update at every milestone, from quote to funding.
Why use a broker?
Why Theós

Small enough to know your file. Connected enough to place it well.

Wholesale pricing

Brokers buy at wholesale. On most files that means a lower rate or lower costs than walking into a branch.

More programs

Conventional, FHA, VA, jumbo, bank statement, DSCR and reverse. When one lender says no, we usually know who says yes.

Straight answers

You see what each option costs, what it does to your payment, and when waiting is the smarter move.

Referrals, not ads

Most of our clients come from past clients. A smooth, honest closing is how we earn the next one.

Full range of

Loan programs

ConventionalRead moreFHARead moreVARead moreNon-QM & self-employedRead moreJumboRead moreReverse mortgageRead moreCash-out refinanceRead moreHELOC & home equityRead more

Compare programs side by side →

What clients say

Testimonials

Excellent service and attention to detail. You walked us through everything so there were no surprises at all. Highly recommended for sure!
Amanda and Jim
Thank you so much for all your care, attention to details and hard work. The pre-approval process really helped make our first-time home purchase a breeze!
Mina
I just want to say thanks. From the first phone call to the end of the process you made things seem easy. Thanks again for everything.
Samir

More testimonials →

Meet

The team

Licensed loan officers and a senior processor, all in one Valencia office.

Peter GirgisCEO & FounderNMLS ID 381600Hani EidVice President / Senior Loan OfficerNMLS ID 2441852Mark HannaCompliance OfficerNMLS ID 1323657Christina BoktorSenior ProcessorProcessing

Our job is to arrange the right loan at the best terms we can find, to explain it so you understand it, and to clear the roadblocks that come up between application and closing. Honestly, competently, and with the phone answered.

Start with a free quote