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Where Mortgage Strategy Meets the Summit.

Experience • Strategy • Expertise

Financing Made Simple

MORTGAGE SOLUTIONS BUILT AROUND YOU

Whether you're purchasing a home, refinancing an existing mortgage, or investing in real estate, Summit Home Lending provides access to a wide range of loan programs, competitive financing options, and expert guidance to help you achieve your goals with confidence.

First-Time Home Buyers

Buying your first home? We offer the guidance you need to get started.

Mortgage Walkthrough Guide

Get educated! Learn exactly what occurs in every step throughout the mortgage process.

Mortgage Calculator

How much can you afford? What does that monthly payment look like? Find out here.

Home Loan Options

We’re here to help you figure out which mortgage best fits your unique financial picture.

Quick Tools

Get started by using one of our FREE tools

The Summit Promise

Why work with us?

At Summit Home Lending, you’re more than a loan application—you’re a valued client.

Our experience will get you to closing smoothly. Backed by over two decades of lending expertise, there is very little we haven’t successfully navigated.

Founded on experience, integrity, and a commitment to delivering exceptional client outcomes, our team brings clarity and confidence to every single step of the mortgage process. Since 2005, we’ve combined deep industry knowledge with advanced mortgage technology and a personalized, client-first approach to ensure each borrower receives thoughtful guidance and tailored solutions.

From your first conversation to closing day and beyond, Summit Home Lending is committed to transparency, accessibility, and finding the mortgage solution that best fits your goals. When you choose Summit, you’re choosing a trusted partner dedicated to your success.

Schedule a Call

Reviews

What Our Clients Say

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Alina CrisanGoogle Reviews

“I had an excellent experience working with Abram Abdulmasseh and Kylie Mell-Johnson at Summit Home Lending during the purchase of my first home in California. Abram was an outstanding loan officer—knowledgeable, responsive, and extremely professional throughout the entire process. He made everything feel easy and stress-free, and the transaction moved fast and smoothly from start to finish. Kylie was also wonderful to work with and very supportive along the way. I truly appreciated their guidance, efficiency, and clear communication. I highly recommend Abram and Kylie at Summit Home Lending to anyone looking for a reliable and seamless home-buying experience.”

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Morgan PattersonGoogle Reviews

“From start to finish, Tony at Summit HL took care of me and my financial needs. They worked quickly and efficiently, made the appropriate recommendations, and made the lending process fast and easy to understand. Tony communicated with me every step of the way, and I couldn’t recommend him more. I would definitely use Summit again in the future, 10/10 experience.”

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Lyla PerrisGoogle Reviews

“I can’t say enough about loan officer
Eric Asaro he was/ is professional through the whole process of the Loan. He was efficient, patient, knowledgeable. He answered every question we had was always there for us. Explaining in detail the whole process. He made me feel so comfortable. I would use him again and highly recommend to anyone. Thank you Eric it was a pleasure. You are the Best and trust me I’ve been through a couple of loans at my age…Eric, is no doubt Best Loan Officer. Wish you the Best! Lyla”

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Stacy BenjaminGoogle Reviews

“I am so happy with the service I received with Summit Home Lending. Tyler and Joel were most helpful. These two gentlemen guided and helped me understand all the paperwork. This was a big step for me and at no time did I feel uncomfortable with my decision to refinance. Thank you very much for your help. I would recommend Summit Lending to anyone looking refinance. 🤗”

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Hedidia LaraGoogle Reviews

“Abram assisted me with the processing of my papers from the start until I got approved. What I really like and appreciate about him is he answers and takes my calls whenever I need some clarification on how to proceed with my paperworks! He is knowledgeable, professional and fun to work with. He is very truthful and delivers what he promise. Kudos to you Abram!”

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Domniki AsimakiGoogle Reviews

“We had a phenomenal experience working with Tony, Sean and Alyssa. They were personable, available, fast, and got the job done on a very tight schedule. We could not have been happier and we recommend them to anyone who needs their loans funded, but ends up has working with automated representatives, getting spammed by robocallers who don’t understand your needs and only add to your frustration and stress.

Summit lending and Tony’s team was our solution and we bet they could be yours too!”

Frequently Asked Questions

Summit Home Lending (L. Alley Loans, Inc., NMLS #339255) is a mortgage company based in Huntington Beach, California. We help homebuyers, homeowners, and real estate investors find the right home loan for a purchase or refinance, with personal guidance from application to closing.

We are licensed to offer mortgage lending services in Arizona, California, Colorado, Florida, and Texas. Our office is at 18281 Gothard Street, Suite 203, Huntington Beach, CA 92648. See our state licensing and disclosures, or verify us on NMLS Consumer Access using NMLS #339255.

We offer Conventional, FHA, VA, USDA, Jumbo, and Renovation loans, plus Rate and Term and Cash-Out refinances, HELOCs, Home Equity Loans (HELOANs), Reverse Mortgages, Self-Employed Loans, and DSCR loans for real estate investors.

Yes. Self-employed borrowers often have income that does not show up neatly on a tax return. We offer Self-Employed Loan options for business owners and independent contractors, and we will review your situation to find the program that fits how you actually earn.

A DSCR (Debt Service Coverage Ratio) loan is a mortgage for real estate investors that qualifies mainly on the rental income the property brings in compared to its monthly payment, rather than on your personal income. It can be a good fit for buying or refinancing an investment property. Try our DSCR Investor Calculator to see where you stand.

Schedule a call or request a quote and we will review your income, assets, and credit, talk through your goals, and show you which loan programs and price range make sense before you start shopping. You can also call us at (714) 536-9500.

Every file is different, and timing depends on the loan program, the appraisal, and how quickly documents come in. Most loans move through the same steps: documentation, appraisal, underwriting, conditional approval, clear to close, and closing. Our mortgage process page walks through each stage, and we keep you updated along the way.

Every scenario is unique, but most borrowers should be ready with recent pay stubs, W-2s or tax returns, recent bank statements, and a government-issued ID. Self-employed borrowers and investors may need different documents, and we will let you know exactly what your loan requires. More answers are on our Mortgage FAQs page.

Visit Our Huntington Beach Office

Summit Home Lending
18281 Gothard Street, Suite 203
Huntington Beach, CA 92648
(714) 536-9500 · info@summitlr.com
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