Equity Smart Home Loans
Michael Adato — Mortgage Advisor | NMLS #1931777
818-448-4434
Sherman Oaks · San Fernando Valley · Greater Los Angeles

Michael Adato

Mortgage Advisor · California

Experienced Advisor. 100+ Lenders. Personal Service, Start to Close.

Call 818-448-4434 About Michael
20+ Years Experience Multiple Wholesale Lenders NMLS #1931777 Licensed in California

Speak Directly With Michael

818-448-4434
Call or text anytime
Michael Adato
Mortgage Advisor
NMLS #1931777
Equity Smart Home Loans
NMLS #856170
Why It Matters

Wholesale Access Changes What's Possible

When you go to a bank, you see their products. When you work with me, you see the wholesale market — dozens of lenders competing for your loan, with rates and terms that retail borrowers rarely access.

  • 1
    I shop multiple wholesale lenders to find the right fit for your specific situation
  • 2
    Complex scenarios — self-employed, investment property, non-QM — are my specialty
  • 3
    You work directly with me from first call to close. No handoffs. No voicemail loops.
  • 4
    My background in CA real estate means I understand what agents and buyers actually need

Wholesale Lender Access

Conventional Loans 30+ Lenders
FHA / VA Programs Gov't Backed
Jumbo & Super Jumbo High Balance
Non-QM / Alt Doc Complex OK
Investment Property DSCR Available
What I Do

Loan Programs

🏠

Purchase Loans

First-time buyers to seasoned investors. Conventional, FHA, VA, and jumbo purchase financing across Greater Los Angeles.

🔄

Refinance

Rate-and-term, cash-out equity, debt consolidation, and term shortening. I'll tell you honestly if the numbers work.

🏦

FHA & VA Loans

Government-backed programs with lower down payment requirements. VA loans for eligible veterans — no down payment required.

💼

Self-Employed / Non-QM

Bank statement loans, asset-based qualifying, and alternative documentation for borrowers whose income doesn't fit the standard mold.

📈

Investment Property

DSCR loans, portfolio financing, and multi-unit programs for investors building or expanding a rental portfolio.

🏗️

Jumbo Loans

High-balance and super jumbo financing for properties throughout the San Fernando Valley and Greater Los Angeles.

View All Loan Programs →

Ready to Talk?

A 10-Minute Call Is All It Takes

To know what you qualify for, what's possible, and what the right next step is for your situation.

818-448-4434
Call Now Get a Scenario Review
Free Scenario Review

Let's Look At Your Situation

Whether you're buying, refinancing, investing, or just exploring options — tell me where you're at and I'll give you a straight answer on what's possible.

818-448-4434

Prefer to call? Michael answers directly.

PurchaseBuying a home — first time or experienced
RefinanceLower your rate, cash out equity, shorten your term
ComplexSelf-employed, investor, non-QM, jumbo
ExploringNot sure yet — that's fine too

Get Your Free Scenario Review

By submitting, you consent to receive calls and texts from Michael Adato at the number provided. Message and data rates may apply.

NMLS #1931777 · Equity Smart Home Loans NMLS #856170 · Equal Housing Lender

Thank You!

Michael will personally review your scenario and reach out shortly. If you'd prefer to talk now, call 818-448-4434.

Los Angeles Homeowners: Now May Be the Right Time to Refinance

Access to multiple wholesale lenders means I can find options your bank won't show you.

Call Now — 818-448-4434

Or get a quick scenario review below ↓

20+ Years Experience Multiple Wholesale Lenders NMLS #1931777 Licensed in California
Free Scenario Review

Is Refinancing Right for You?

Fill out the short form and I'll personally review your scenario — no obligation, no runaround, no automated response.

  • Lower your monthly payment
  • Access cash from your home equity
  • Pay off high-interest debt
  • Shorten your loan term
  • Switch from ARM to fixed rate
Prefer to call?
818-448-4434
Michael Adato · NMLS #1931777

Get Your Free Scenario Review

By submitting, you consent to receive calls and texts from Michael Adato at the number provided. Message and data rates may apply.

NMLS #1931777 · Equity Smart Home Loans NMLS #856170 · Equal Housing Lender

Thank You!

Michael will personally review your scenario and reach out shortly. If you'd prefer to talk now, call 818-448-4434.

Why Michael

The Experience Behind the Call

20+

Years in mortgage lending across the Los Angeles and San Fernando Valley markets

30+

Wholesale lender relationships — more options than any single bank can offer

1:1

Direct access — you work with Michael personally from first call to funding

A 10-Minute Call Is All It Takes

To know if refinancing makes sense for your specific situation.

818-448-4434
Call Now
Loan Programs

What I Can Do For You

Whether you're buying, refinancing, or investing — I work with wholesale lenders to find the right program for your situation.

Purchase Loans

Buying a home in the San Fernando Valley or Greater Los Angeles is competitive. Working with a mortgage broker who has wholesale lender access means your pre-approval is backed by real buying power — not just a bank's internal product lineup.

I work with first-time buyers, move-up buyers, and experienced purchasers. If your file has complexity — income structure, prior credit events, property type — that's where wholesale access and direct oversight matter most.

First-Time BuyersMove-Up BuyersCompetitive OffersPre-Approval Letters
02

Refinance

Refinancing isn't always the right move — I'll tell you honestly if the numbers don't work. But when they do, wholesale access means better rates and fewer lender fees than most retail options.

Rate-and-term, cash-out equity, debt consolidation, ARM to fixed conversion, and term shortening. A 10-minute call is usually enough to know if refinancing makes financial sense.

Lower Monthly PaymentCash-Out EquityDebt ConsolidationTerm Shortening
03

FHA & VA Loans

Government-backed loan programs for buyers who need flexible qualification criteria or lower down payment requirements. FHA loans allow as little as 3.5% down. VA loans for eligible veterans require no down payment at all.

I work with multiple lenders on government programs, which means competitive rates even within the FHA and VA product space.

Lower Down PaymentVeterans & MilitaryFHA 3.5% DownVA No Down Payment
04

Self-Employed & Non-QM

Standard mortgage programs are built around W-2 income. If you're self-employed, run a business, take distributions, or have income that doesn't fit neatly into a tax return, you're not out of options — you're in a different product category.

Bank statement loans, 1099-only programs, asset-based qualifying, and alternative documentation products are available through my wholesale lender network.

Self-EmployedBank Statement Loans1099 IncomeAsset Depletion
05

Investment Property

Real estate investors have different financing needs than owner-occupants. DSCR loans qualify based on rental income rather than personal income — a significant advantage for investors with complex tax returns or growing portfolios.

Single-family rentals, multi-unit properties, and short-term rentals. I work with lenders who specialize in investment financing across California.

DSCR LoansRental PropertiesMulti-UnitShort-Term Rentals
06

Jumbo & High-Balance Loans

In Los Angeles County, conforming loan limits only go so far. Jumbo and high-balance products fill the gap for buyers and homeowners at higher price points across Sherman Oaks, Studio City, Encino, and surrounding communities.

Wholesale lender access is especially valuable in the jumbo space — pricing variation between lenders is significant, and having multiple options matters.

High-BalanceSuper JumboSherman OaksStudio City / Encino

Not Sure Which Program Fits?

Tell me your situation in plain language. I'll tell you what's available and what makes sense.

818-448-4434
Call Now
About Michael

Michael Adato

Mortgage Advisor · NMLS #1931777 · Equity Smart Home Loans

I've been in mortgage lending for over 20 years. In that time I've worked through multiple market cycles, rate environments that most advisors have never seen, and the kind of complex borrower scenarios that most lenders pass on.

Before focusing exclusively on mortgage, I held a California real estate license. That background matters — it means I understand the transaction from both sides of the table. When a Realtor calls me with a client on a tight timeline or a tricky property situation, I know what they're dealing with, not just what the lender side looks like.

"You call me. I answer. I work your file personally from first call to close."

I work as a broker through Equity Smart Home Loans, which gives me access to multiple wholesale lenders. That's not a marketing line — it's the structural reason I can often find options that a single bank simply can't offer. When lenders compete for your loan, the terms get better.

My focus is the San Fernando Valley — Sherman Oaks, Studio City, Encino, Van Nuys, and surrounding communities — and Greater Los Angeles. I work with buyers, homeowners looking to refinance, and real estate investors. I specialize in scenarios that require experience: self-employed borrowers, non-standard income, investment properties, and complex credit situations.

If you want to talk through your situation, call me directly. A 10-minute conversation is usually enough to know what's possible.

NMLS #1931777 Licensed in California Former CA Real Estate License Equity Smart Home Loans NMLS #856170

Ready to Talk Through Your Scenario?

Call me directly. I work your file personally.

818-448-4434
Call Michael Directly
Get In Touch

Let's Talk

The fastest way to get answers is a phone call. I personally respond to every inquiry, usually within the hour.

818-448-4434

Call or text — Michael Adato, Mortgage Advisor

LocationSherman Oaks, CA
Serving San Fernando Valley & Greater Los Angeles
NMLS#1931777 · Equity Smart Home Loans #856170
Hours7 Days a Week, 9am – 9pm
ResponseUsually within the hour

Send a Message

By submitting, you consent to receive calls and texts from Michael Adato at the number provided.

I personally respond to every inquiry, usually within the hour.

Message Received

Thank you for reaching out. Michael will be in touch shortly. If you'd prefer a faster response, call 818-448-4434.

Legal

Privacy Policy

Last updated: March 2026

This privacy policy explains how Michael Adato — Mortgage Advisor collects, uses, and protects your personal information when you visit michaeladato.com or submit a form on this site.

What Information We Collect

When you fill out a form on this site, we collect the information you provide — which may include your name, phone number, and email address. We only collect what you choose to share.

How We Use Your Information

Your information is used solely to respond to your inquiry and discuss mortgage services with you. We do not sell, rent, or share your personal information with third parties for marketing purposes.

Communications

By submitting a form on this site, you consent to receive calls and text messages from Michael Adato at the phone number you provided. Message and data rates may apply. You can opt out at any time by replying STOP to any text message or by contacting us directly.

Cookies and Analytics

This site may use Google Analytics and Meta Pixel to understand how visitors use the site. These tools may use cookies to collect anonymous usage data. No personally identifiable information is shared with these services through cookies.

California Privacy Rights (CCPA)

California residents have the right to know what personal information is collected, request deletion of their data, and opt out of the sale of personal information. We do not sell personal information. To make a request, contact us at the email below.

Contact

For any privacy-related questions or requests, contact Michael Adato directly at michael@michaeladato.com.

NMLS #1931777 · Equity Smart Home Loans NMLS #856170 · Licensed in California