World Home Loans · Residential Mortgages
Ryan Sangha · Vice President · Mortgage Loan Originator
Individual NMLS #7020 · World Home Loans Company NMLS #2726290
Understand your options, compare costs, and get personal guidance from application to closing.
Figures reflect World Home Loans team results, not Ryan's individual production. Pending verification.
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I’m a VP at World Home Loans, a mission-driven brokerage built to give borrowers, especially Veterans, respect and clear guidance. I explain every option in plain English and never push a loan that doesn’t fit. As a self-employed professional myself, I understand non-W-2 income firsthand.
Get a QuoteWorld Home Loans is licensed in 25 states plus Washington, DC (company licenses listed below). I work by phone, video, and email with borrowers in the states where I am licensed.
Ryan's individual state licenses: see NMLS Consumer Access (NMLS #7020) for the current list. In states where Ryan is not individually licensed, including California, your inquiry will be handled by an appropriately licensed World Home Loans originator.
A VA focus, with options for nearly every situation.
For eligible Veterans, active-duty service members and certain surviving spouses. This is where I spend most of my time, and I’ll walk you through eligibility and benefits step by step.
Learn more ›Bank-statement and 1099 options that may let you qualify on deposits or 1099 income instead of tax-return income. I’m self-employed too, so I speak your language.
Learn more ›A common choice for borrowers with established credit, with a range of down payment options.
Learn more ›Government-insured financing with flexible credit and down payment guidelines.
Learn more ›For eligible properties in qualifying rural and suburban areas; income limits apply.
Learn more ›For loan amounts above the conforming limit in your county.
Learn more ›Change your rate or term, or tap equity, if the numbers actually make sense for you.
Learn more ›Not all borrowers will qualify. Programs and terms are subject to change.
Quick estimates to start the conversation. Not a quote or an offer.
Try the Loan Finder › Answer a few questions for a personal mortgage snapshot.
Estimate a monthly payment based on home price, down payment, and loan term.
Get a rough idea of a price range based on your income, debts, and down payment.
See how a different rate or term might change your payment over time.
Estimate an FHA payment including the upfront mortgage insurance premium (financed into the loan) and annual mortgage insurance. Premium rates are set by HUD and can change; confirm current figures with me.
Estimate a VA payment including the VA funding fee (financed into the loan). Funding fee percentages are set by the VA and depend on down payment and prior use; some borrowers are exempt. Confirm your eligibility with me.
Results are estimates for illustration only. "Principal & interest" (P&I) is the loan payment only. It does not include property taxes, homeowners insurance, mortgage insurance (PMI/MIP), HOA dues, flood insurance, or other costs unless you enter them where a field is provided. Any rate you enter is an example, not a quote. These results are not a loan offer, rate quote, commitment to lend, or an approval or guarantee of eligibility. Actual terms depend on credit, income, property, and program guidelines.
It depends on the loan program and your situation. Some programs allow lower down payments than many people expect, and others require more. We'll go over the options that may fit you.
A pre-qualification is a quick estimate based on information you provide. A pre-approval goes further: it involves reviewing your credit and documentation, which gives sellers more confidence in your offer. Neither one is a final loan approval.
Often, yes. Self-employed borrowers may qualify with traditional documentation or, in some cases, alternative programs such as bank-statement or 1099 loans. Let's talk about your income and paperwork.
An initial conversation doesn't require a credit check. When it's time for a pre-approval, a credit report is typically required. I'll let you know before anything is pulled.
I'm a licensed mortgage loan originator (NMLS #7020), and loans are originated through World Home Loans, NMLS #2726290.
Timelines vary depending on the loan type, property, and how quickly documents come in. I'll give you a realistic picture up front and keep you updated throughout.
Tell me a little about what you’re working on and I’ll follow up personally.
Prefer to talk? Call or text me directly at (310) 936-4510 or email rsangha@worldhomeloans.com.
This short form just starts the conversation. Details like income, assets, and credit come later, in our follow-up or through the secure application.
In states where Ryan is not individually licensed, your inquiry will be handled by an appropriately licensed World Home Loans originator. See our Privacy Policy.
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Irvine, CA 92618