About Marvin Younan
I help first-time buyers unlock up to $22,750 toward a down payment.
I am a licensed California loan officer. I work inside the CalHFA-approved lender network. My one job: help Southern California first-time buyers get keys with state down payment help. Big banks skip these programs. I lead with them.
My story
[YOUR STORY — 2-3 paragraphs]
Paragraph 1: Who you are and how you got into mortgage lending. Make it human — the moment you realized first-time buyers were being underserved works well here.
Paragraph 2: A real client story (anonymized). Example shape: "A teacher and a nurse renting in North Park were told by their bank they needed $60,000 down. Six weeks later they closed on a Chula Vista townhome using MyHome and ZIP with a fraction of that."
Paragraph 3: Your connection to San Diego / Southern California — how long you've lived here, your neighborhood, why this market is personal to you.
Credentials, on the record
- NMLS #1544003. Check my license anytime at NMLS Consumer Access. Every real loan officer has this number and shows it.
- Licensed in California. I work through Simpler Home Loans. It is licensed by the California Department of Financial Protection and Innovation / Department of Real Estate.
- CalHFA-approved lender network. CalHFA loans only come through approved lenders. That is the network I work in every day.
- First-time buyer focus. MyHome, ZIP, Dream For All, FHA, VA and low-down conventional loans. The full toolkit for buyers without a big pile of cash.
Why I specialize in CalHFA
Most loan officers treat CalHFA like a chore. More paperwork. An extra approval step. A smaller check for them. So they steer buyers away, or never bring it up at all. Renters get told to come back after they save more. Meanwhile a state program could have covered the down payment this year.
I made the opposite bet. Learn the hard program so well it feels easy. I track the income limits county by county. I follow the rules as they change. I know which condo buildings the programs accept. And I know how to make an offer with assistance look strong to a listing agent. That work stacks up. It is why this whole practice is built on down payment help.
What I believe
Truth over hype
If you're not ready, I'll say so. You'll get a clear plan to get ready. A real "not yet" beats a false yes every time.
Education first
You should understand every loan you sign. That includes the second loan behind it, the one with no monthly payment. I explain until it clicks.
One person, reachable
You get my number, not a call center. I reply the same business day with straight answers. No hand-offs in the middle of your purchase.
Where I work
Home base is San Diego County. That means San Diego, Chula Vista, Oceanside, Escondido, El Cajon, Vista and National City. I also serve Temecula and Murrieta in southwest Riverside County. My license covers all of California, and CalHFA works statewide. See all service areas.
Let's find out where you stand.
The quiz takes 60 seconds. No credit pull, no documents. I read your answers myself and reply with a plan.