Realize Your Dream of Home Ownership

Welcome to Lock & Key Mortgage. We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

Sample ImageOUR MISSION

Building Wealth through Homeownership
&
Unlocking the Key to Financial Freedom


Are You a First Time Home Buyer
in need of Down Payment Assistance?


Welcome to the official site of Lock & Key Mortgage. We are a full service mortgage company based in the city of Anaheim, the heart of Orange County, CA. We specialize in First Time Home Buyer Programs such as Chenoa Down Payment Assistance in the cities of Stockton, Sacramento, and Fresno. We also offer comprehensive services statewide throughout California.

Whether you are buying your first home or refinancing, we can help you realize your dream of home ownership, lower your monthly mortgage expenses, or custom tailor plans within your comfort zone that will take you one step closer to reaching your financial goals! We know that each customer has specific needs, so we strive to meet those specific needs through our expertise, a wide array of products, investment tools, education, and best of all quality service and individual attention.


Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | VA Streamline | Conventional | Commercial | Jumbo


NICHE PROGRAMS
 Credit Improvement, Down Payment Assistance Programs, 1099 Income Loan, Bank statement loans for Self-Employed professionals, and Conventional programs offering up to $2500 for low-moderate income home buyers.


CONTACT US TODAY FOR YOUR FREE, NO OBLIGATION, MORTGAGE CONSULTATION!




Client Reviews
reviews
5.0
Where do we start with Christina…This lady is one of the hardest workers we have gotten to know after dealing with her and seeing her work ethic in action. She basically never stops working! Christina was recommended to us by our realtor Jessica Lee. In the beginning communication was a bit slower paced, but once we figured out that she was balancing such a busy work schedule we realized Christina is such an advocate for her clients, fighting for the best interest rates and hitting back with fierce negotiations to get us the best monthly payments. We really admire Christina's honesty and transparency with the home buying process, and her fun commentary as we embarked on this first time home owner journey. Also, we loved how Christina set up a powerpoint video chat to walk us through every step of the way, and go over terminology in the real estate/mortgage lending world. We would ask the same questions over and over again but Christina always gave us a call to fully explain the process and make sure if we did not understand that she would explain it and break it down even more. She even went out of her way several times to help us even after we secured our mortgage! Thank you so much Christina for your fierce negotiations, your sincerity and resourcefulness. We really were so glad to have you in our corner and hope to meet you one day for drinks and celebration!
I cannot recommend Christina & Lock & Key Mortgage highly enough! They were an absolute dream to work with during the process of buying our home. From start to finish, their team went above and beyond to ensure everything went smoothly—and they helped us close in an incredible 14 days! Their responsiveness was unmatched. No matter the time of day, they were always available to answer questions, address concerns, and guide us through the process with patience and clarity. As first-time buyers, we had a lot of questions, and they never made us feel rushed or overwhelmed. What really stood out was how detailed their instructions were at every stage of the process. Whether it was submitting documents, understanding timelines, or tackling unexpected hurdles, they laid everything out in a clear and straightforward way, making what could have been a stressful experience so much easier. If you’re looking for a mortgage broker who is professional, efficient, and truly cares about your success, Lock & Key Mortgage is the way to go. Thanks to their incredible work, we’re now in our dream home—faster than we ever thought possible!
Kyle Piercy
Kyle Piercy
2 months ago
Thank you, Lock & Key Mortgage. All representatives here are so professional, patience, and understanding. This team I highly recommend. My case is the hardest and low score, but they helped me get through. They stood for me and with me. I never thought possible. I cannot thank you enough for Ms. Christina and her team. Thank you all.
Siphay Xayavong
Siphay Xayavong
2 months ago
A professional and a friend on our journey to get to find our home. Very supportive and responsive. Alway on top of tasks and keeping us inform with each step of our journey. We cannot do this without this professional team. Awesome job?
Binh Hoang
Binh Hoang
11 months ago
I’m truly thankful to Christina for assisting us in securing funding for our investor loan. She successfully connected my client with a new investor and facilitated the funding for this deal.
larrytrinh714
larrytrinh714
1 year ago
Christina will not disappoint!
anhers phamtran
anhers phamtran
1 year ago
No one was able to do my loan, but Christina managed to pull everything together in a timely matter and completed it. Thank you
Tony Tran
Tony Tran
1 year ago
Christina proved to be not only helpful but also incredibly kind throughout the entire process, making what can be a stressful experience much more manageable. Christina is a true go-getter in the mortgage industry. She is dedicated to finding the lowest rates and securing the best deal possible for her clients. Her commitment to ensuring that her clients get the most favorable terms speaks volumes about her work ethic and professionalism. One standout quality of Christina is her genuine care for her clients. Unlike some in the industry, she won't try to trick you into purchasing something beyond your budget. She takes the time to understand your financial situation and works diligently to find a mortgage solution that aligns with your needs and limitations. Availability is another strong suit of Christina. She consistently made herself accessible and was always willing to help whenever we had questions or needed clarification on any aspect of the mortgage process. Thank you Christina!
Enoch Quon
Enoch Quon
1 year ago

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