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:

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

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5.0

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1 month ago

Christina is very professional and diligent in providing professional service. She was instrumental in qualifying my son, first time buyer, for his first home. Any obstacles that came up, she kept us in the loop and took care of it. Christina knows her job well and monitors the daily market trends and interest rates. My son locked in at a low interest rate in a struggling economy. This is the third time we have used Christina and I highly recommend her for your home loan needs.

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Justen Falk

3 months ago

Christina was able to offer flexible locking terms and had a couple tricks to shave off money from my closing which was greatly appreciated. She's very informative and made sure I understood every part of the daunting process of buying my first place.

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Mickey Gallardo

4 months ago

Our local bank I noticed quoted us a substantially higher rate and fees. So we decided to use a trusted mortgage broker, Christina Cho to purchase our first home and they were amazing. We worked with Christina, Lisa, and David throughout the whole process, and they were incredibly helpful, informative and helped us achieve all of our goals! We had a few roadblocks along the way and all three of them, especially Christina, really made us feel like we were priority and helped us do whatever we needed to do get our loan close. I would recommend them to anyone, especially my first time home buyer friends!

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Celestino Ancheta III

4 months ago

I want to thank Christina for the awesome job she did for helping me close on my first house! Throughout the whole process she was 100% genuine and truthful. She turned one of the most stressful situations into the best possible experience for me. To fellow veterans that are or will be going through the home-buying process; she helped me understand in-depth on how the VA LOAN really works and was constantly trying to find different avenues to help lower my overall cost. Christina has no problem holding different hats pertaining to the situation and she does look out for you as a person. I can honestly say and will vouche that she tends to you as a person rather than another number or client. 100% take the chance on here and let her work her magic and she will put 100% of her focus on you as long as you work just as hard as her!!! thank you once again!!!

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Siphay Xayavong

4 months ago

I have the hardest case ever, but Christina Cho helped me through and through. You can never get someone who you can trust no more and I thought I wouldn't, but no, someone like Christina came through to me. I can never say thank you enough. She and her team has helped me get through and approved. I highly recommend her and her team. Thank you so much.

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Jim Nguyen

4 months ago

Working with Christina was a great experience! She is professional and efficient in her work. It was important for me to feel secure and confident in an lender and I found that in Christina. She genuinely cared for me on a professional level and was attentive to my needs. I highly recommend Christina for her services at Lock & Key Mortgage. I felt that the process went smoothly and she insured me that everything was convenient for me during the process. I am thankful for Christina’s professionalism and her hard work. Appreciate you! Thank you again!

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