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Summit Lending - A Direct Mortgage Lender

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Summit Lending Home Loans Mortgages Orange County
A Direct Mortgage Lender


  • First Time Home Buyers Best Rates & Service - Summit Lending
  • Mortgage Refinancing Orange County - Summit Lending
  • Best Rates for Cash Out Loans Orange County - Summit Lending
  • Summit Lending is the Expert Seasoned Home Owners Lender
  • Real Estate Mortgage Lender for Home Loan Investors
  • Best VA Loans for Active or Retired Military - Summit Lending
Purchase Loans Refinances FHA & VA Loans


Welcome to Summit Lending - SoCal's Best Choice for Home Loans



L Alley Loans Inc BBB Business Review

Southern California based Summit Lending is a top reviewed direct mortgage lender, and mortgage brokerage specializing in home purchase loans, and refinance loans.

We proudly offer government loans including FHA loans and VA loans, in addition to Conventional loans, Jumbo loans, Home Equity Lines of Credit, and reverse mortgage loans for homebuyers and homeowners throughout California.

We have provided home loan options at the best rates for first-time homebuyers, veterans, real estate investors, and seasoned homebuyers for two decades.

Summit Lending Lisa Alley Featured Agent Magazine

As a direct lender, quite frankly, we call the shots. We have the ability to approve, process, underwrite, and fund your mortgage loan quickly. Summit Lending is proud to make quick loan approval decisions, answer your questions immediately, and secure the best mortgage loans with the best rates available for your specific needs in California.

As a locally owned and operated Southern California business, Summit Lending is dedicated to providing personalized service in the digital age. With all technological capabilities at our finger tips, we also enjoy one-on-one work with our clients, and homebuyers and homeowners are always welcome in our Huntington Beach, CA corporate office anytime. Our focus on exceptional customer service has earned us top reviews, in addition to earning the respect and referrals of past clients, and affiliate partners throughout the State of California.

Helping SoCal Familes, Schools, Veterans, Non-Profits
We are a proud supporter of Orange County schools, Veterans associations, and non-profits benefitting children in developing nations. Summit Lending is honored to be heard from San Diego to Ventura and throughout Orange County, Riverside County and Los Angeles County each week on KFI AM-640 Talk Radio. Summit Lending is also a proud Homes For Heroes Affiliate Lender.

We invite you to contact Summit Lending today to secure the home loan you need to purchase a home, or to discuss money saving refinance options available in Southern California today.

CALL US TOLL FREE (888) 451-9006


Why Summit Lending?



What Our Clients Say...

"This office IS AS GOOD AS IT GETS. I had the pleasure of working with Scott Alley and his assistant Ryan Axe. My loan process went as smooth as anyone could wish for..."
R.J.
"We absolutely LOVE Lisa and the entire team at Summit Lending, and do not hesitate to recommend them to anyone who might be looking for a lender. They were a dream to work with..."
Nicole F.
"I worked with Scott Alley at Summit Lending to obtain a FHA loan. He was very patient with my questions from pre qualification through funding and was always prompt in returning my emails..."
Mark P.