Purchase, refinance & home equity
Financing for your next home or the home you already own. Explore loan programs and options for first-time buyers, self-employed borrowers, and rental property investors.
Explore home financingMortgage planning, with your life in mind
Your next chapter.
A clearer mortgage plan.
Purchase loans, refinancing, and home equity loans—plus guidance for retirement and divorce housing decisions. I’ll help you understand your options and connect the mortgage decision to the bigger picture.
Troy MartinIndividual NMLS #235470
CA DRE #01331395 · AZ #LO-1033576 · CO #100536768 · FL #LO102963 · OR #235470 · SC #235470 · TN #235470 · TX #235470 · WA #MLO-235470 · WY #106282Mortgage Broker · Branch Manager, C2 FinancialCLA® · CDLP® · CRMP® · NMLS #235470
CA DRE #01331395 · AZ #LO-1033576 · CO #100536768 · FL #LO102963 · OR #235470 · SC #235470 · TN #235470 · TX #235470 · WA #MLO-235470 · WY #106282Mortgage Broker · Branch Manager, C2 FinancialCLA® · CDLP® · CRMP® · NMLS #235470
25+ yearsMortgage lending experience
Based in Mission ViejoServing California & nine additional states
Start where you are
Different chapters.
Thoughtful guidance for each.
Choose the conversation that fits your life today. We’ll work through the details together.
Home equity & retirement
Learn the basics of reverse mortgages and how to evaluate them with your family and financial advisor.
Explore reverse mortgagesDivorce & the family home
Bring mortgage feasibility into the conversation before agreeing on a home retention or equity buyout plan.
Explore divorce planningClient experiences
In their own words.
5.0
★★★★★27 reviews on Google
Selected excerpts from clients who have shared their experiences with Troy.
Read all reviews on GoogleRating & count checked October 8, 2026.Refinancing★★★★★
“This was probably the easiest refinance I've ever had.”
Home loans & refinancing★★★★★
“Troy Martin always does an outstanding job”
A long-term client relationship★★★★★
“his trustworthiness and extreme honesty”
A broader view of borrowing
A financial planner’s approach to your mortgage.
As a Certified Liability Advisor (CLA®), I focus on the borrowing and liability side of your balance sheet. The Mortgage Concierge Program helps us understand your goals, payment comfort, cash reserves, and future commitments—beyond what a loan application tells us.
- Understand the choicesConnect the payment, costs, flexibility, and tradeoffs to the life you are planning.
- Coordinate the moving partsCoordinate the mortgage analysis with your financial advisor or other professionals, with your permission.
- Plan the next stepIdentify information gaps and work through the questions you may not have thought to ask.
I am a mortgage professional, not a financial advisor. I do not manage investments.
Explore the Mortgage Concierge ProgramThe mortgage notebook
Useful answers. A clearer starting point.
Home financing
Before you shop for a home, start with your plan.
A useful first conversation goes beyond the purchase price. Bring your goals, questions, and a realistic picture of your monthly budget.
Read: Before you shop for a home, start with your plan.Troy Martin · 3 min readReverse mortgages
Where does home equity fit in your retirement conversation?
Start with the planning question, then evaluate whether a reverse mortgage belongs among the possible answers.
Read: Where does home equity fit in your retirement conversation?Troy Martin · 3 min readDivorce mortgage planning
Before agreeing who keeps the home, ask how the financing will work.
A proposed settlement is more useful when the mortgage questions have been explored while there is still time to adjust the plan.
Read: Before agreeing who keeps the home, ask how the financing will work.Troy Martin · 3 min read