Changing Lives Through Mortgages

Dedicated to changing the lives of our employees, clients, and referral partners through responsible mortgage lending while creating a new standard of service and positively impacting the communities that we serve.

Lending from Your Point of View

Welcome to Viewpoint Lending, a registered trade name of AHL Funding. We are an exceptional full-service mortgage banker headquartered in Irvine, CA. Without a doubt, Viewpoint Lending is one of the hardest working mortgage bankers in the industry. we work extended hours to ensure convenience to our clients with various mortgage loan options tailored to your specific financial situation. Viewpoint Lending specializes in a diverse selection of mortgage programs, including Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, Alt-Doc Programs, and Down-Payment Assistant Programs.

Whether you want to purchase a home or refinance, you can count on Viewpoint Lending to always look out for your best interest. Our ultimate goal is to give our clients the financial key to purchase their dream home in California.

We Offer Several Loan And Down Payment Assistance Options

There is always purpose, honor, and integrity behind everything we do. Viewpoint Lending team is made up of incredibly knowledgeable and experienced licensed loan officers. We are client advocates and will go above and beyond in making sure that you receive document payment assistance and mortgage loan options that suit your needs, desires, and financial requirements. Our interest rates and closing costs are competitive.

From the first consultation to giving you your keys, Viewpoint Lending is here to help, educate and empower you to buy the home of your dreams. Let us assist you on figuring out which mortgage loan best suits your necessities. Contact Viewpoint Lending today to discuss your mortgage loan options!

You Will Always Receive More With Our Mortgage Loan Programs:

  • Rate Match Comparison
  • No Mortgage Insurance
  • W-2 & Paystub Only Program
  • Jumbo Products up to $3M
  • Manufactured Homes
  • No Max DTI (Debt to Income Ratio) with AUS (Automated Underwriting Systems) Approval
  • Self-Employed with 1-Year Tax Returns
  • Closing Cost Assistance
  • Down Payment Assistance

Meet The Team

We have a whole team working for you with 30 members including Loan Officer Assistants, Soulutions Director, Processors, Junior Processors, and our Marketing and Thank You Departments.

Learn More About Us
Conventional Loan

Viewpoint Lending provides conventional loan rates to clients throughout United States looking to buy their dream home or refinance their existing home. To find out how Viewpoint Lending can help determine if a conventional loan is right for you, contact us today.

Jumbo Loan

As a full-service mortgage group, our mortgage bankers provide Jumbo Loans up to $3 million to assist affluent clients attain the home of their dreams. Viewpoint Lending works with purpose, honesty, and integrity in everything we do. If you are looking for a local mortgage banker to assist you in financing a home, call us today!

FHA Loan

When it comes to FHA loans—or Federal Housing Administration loans—Viewpoint Lending helps first-time home buyers navigate the process with ease and confidence. From consultation to the moment you receive the keys on your new house, Viewpoint Lending will be there to take care of your needs. Visit our website today!

ALT-DOC Programs

Our Alt-Doc program, or otherwise known as an alternative document loan program, provides our clients with the option to get what they need. Viewpoint Lending is committed to helping our clients in any way possible. To find out if you are eligible, visit our website or give us a call today.

VA Loan

Viewpoint Lending is honored to offer the VA loan—or the Veteran Affair loan—for those who have served our country. Our VA loan is accessible to both veterans and active-duty members alike. Viewpoint Lending will help you through the entre process until you are able to buy that dream home. Give us a call!

Down-Payment Assistant Program

We offer a variety of down-payment assistance programs,  assisting clients with closing cost, and much more. Give us a call. 

What Our Clients Say

Chris Moreno Is The Best!!

This is my 2nd refi and it has been by far the best experience I've had with Viewpoint Lending. I specifically appreciated that Chris and his colleagues were very knowledgeable about the whole process and got me such an amazing rate. He explained all of my options clearly as well as the benefits and drawbacks of each which really allowed me to make an informed decision. Viewpoint Lending has been extremely diligent about updates. Chris is quick about making himself available, I cannot recommend him and Viewpoint Lending enough.

If there were 10 stars Viewpoint Lending would get them!

They have been helping my clients with new mortgages and refinancing for over 5 years and always do their best to provide excellent customer service and support! I highly recommend Christopher Moreno and his team!

I Am A Realtor Here At Keller Williams Realty And Have Been In The Business For Almost 5 Years Now.

I have never come across a lending group that has the drive, patience and work ethic that this team has. Not only are they top notch lenders that will go above and beyond for the agents and their clients. They offer Lauren, the best marketing director you can ask for and work with. The whole team is ridiculously accommodating and will literally walk the extra mile right next to you, putting up your open house signs. Each client I have referred them to feel extremely comfortable working with them and end up loving the experience they provide. Each of these lenders will answer your phone call or text at any time of the day or night and Lauren is always willing and ready to help with a video or anything that can promote you as an agent. I cannot say enough positive things about this group. I highly recommend you give them a try. It will be hard to use any other lender after receiving this kind of professionalism and dedication from Viewpoint Lending.

I Had The Pleasure To Work With Christopher In September

He help me obtained my new mortgage. I love the fact that Christopher was available 24/7 to answer my question and concerns. His dedication and passion to help others made a big difference in the process of obtaining a loan mortgage. He makes sure to take good care of his clients.

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Our Loan Programs Include:

Rate Match Comparison
No Mortgage Insurance
W-2 & Paystub Only Program
Jumbo Products up to $3M
Manufactured Homes
Self-Employed with 1-Year Tax Returns
Closing Cost Assistance
Down Payment Assistance
No Max DTI with AUS Approval