Purchase Loans
From pre-approval to closing, financing built around your budget.
Southern California · Since 1998
Home financing, guided with care from application to keys.
Whether you're purchasing your first home, moving up, or refinancing, Ana structures the right loan around your goals — with clarity every step of the way.
26+
Years Lending
NMLS
#1474300
EN · ES
English & Spanish
About
Meet Ana
For more than 26 years, Ana Bitolas has helped Southern California families finance their homes — from first-time buyers stepping into ownership to seasoned homeowners refinancing for a stronger financial future.
As a Senior Loan Officer, Ana pairs deep lending expertise with a genuinely personal level of service. Clear communication, patient education, and a tailored loan strategy — that's the standard she brings to every file.
Bilingual
English & Spanish
Licensed
NMLS #1474300
Coverage
Southern California
Focus
Residential Lending
Loan Programs
The right loan, structured around you
A full menu of residential loan programs — matched to your goals and structured for the long term.
Refinancing
Lower your payment, shorten your term, or access equity.
FHA & VA Loans
Government-backed programs with flexible qualification.
Conventional & Jumbo
Competitive financing for primary, second, and high-balance homes.
Investment Property Loans
Financing strategies for rental and long-hold portfolios.
First-Time Homebuyers
Patient, step-by-step guidance with no jargon or pressure.
Specialty Programs
Alternative documentation lending
Flexible options for self-employed borrowers and investors.
- No personal income verification
- No tax returns or W-2s
- Qualify using the property's rental income
- Purchase, refinance, and cash-out options
- Qualify with a YTD or 12-month P&L
- No tax returns required
- Income calculated from business profit
- Purchase, refinance, and cash-out options
- Personal or business bank statements
- No tax returns or W-2s
- Income based on eligible deposits
- Great for entrepreneurs and freelancers
- Qualify with a Verification of Employment
- No tax returns or W-2s
- Simplified documentation
- Fast, efficient approval process
Why Ana
Two decades of lending, one dedicated advocate.
Ana has guided borrowers through every kind of market — and every kind of file. Her clients come back, and refer their families, because the service is genuinely personal.
01
Experience
26+ years navigating every market cycle in Southern California.
02
Trusted Guidance
Clear, honest counsel — no pressure, ever.
03
Personal Service
You'll always work directly with Ana, from application to closing.
04
Full Program Access
Conventional, FHA, VA, Jumbo and specialty programs under one roof.
The Loan Process
Your path to closing
A guided, transparent process — six thoughtful steps from first conversation to funded loan.
- 1Step 1Free Consultation
- 2Step 2Application
- 3Step 3Pre-Approval
- 4Step 4Loan Processing
- 5Step 5Underwriting
- 6Step 6Closing & Funding
Client Reviews
Words from the families she's served
“As a real estate agent it is very important for me to partner up with a good reliable lender. Ana takes our clients' best interest to heart, giving them the best service and her timely responsiveness always amazes me. I am happy and proud to refer Ana to all of my clients.”
Fabiola Garcia
Real Estate Partner
Let's begin
Ready to finance your next home?
Let's discuss your goals and build a loan strategy that fits.
Get in touch
Let's start the conversation.
Share a few details and Ana will personally reach out to schedule your complimentary consultation.
- Phone(562) 397-5017
- Office8345 E Firestone Blvd, Suite 320Downey, CA 90241