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Home Loans & Refinancing - The Safe Way




Already found your dream home? Great, you're done with the hard part! Now all that's left is to finance it.


Whether you want a lower rate or to pull equity from your home, we got you covered.

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Eric Brownstone

CEO at Internet Defense Technologies

"Safe knows what he is doing, and does it VERY well!!! Extremely competent, willing, and able to get your loan done in a VERY expert and fast way! I would recommend him to anyone seeking help with a loan"

Adam Rodell

Realtor at RE/MAX Select One

"Safe has been one of the most dependable and honest mortgage representatives I've met in my career. He pays attention to the Client's needs and follows through on all commitments. He has provided loans for me personally, and for many of my valued Clients. He is definitely one of the good guys in our business!"

Craig Hutcher

Account Executive at Datalight

I was recommended to Safe by my Real Estate agent as a Mortgage Broker for my new home purchase. Not only did Safe get me the lowest possible rate, he personally dealt with every aspect of my first loan and then 6 monhs later my re-fi. I highly recommend him!

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Mike Dasher

Owner, Executive Leasing & Sales

Safe is very professional w/ the highest degree of integrity. He is the best at what he does.

Meegan Bevere

Realtor at Berkshire Hathaway HomeServices Crest Real Estate

Safe was very easy to have a transaction with. Throughout the home buying process, he was honest, thorough, knowledgeable and delivered as promised.

Tom Jedrzejewicz

Technology Manager at Cal Net Technology Group

I got my mortgage from Safe, and worked with him on a refi that ended up not being worth doing. In both cases he was prompt and thorough, answered lots of questions without hesitation or irritation, and was a pleasure to work with. I will certainly use him again!

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Our work


SafeLending is a mortgage company founded in Huntington Beach, CA but serves all of Orange County, Los Angeles County, and San Fernando Valley County.

The founder, Safe Habashi, has been in the mortgage business for nearly 25 years.  His extensive experience allows him to work creatively with every client and every situation. We pride ourselves as being one of the quickest companies to close a loan, offer competitive rates, and potentially save you thousands.

Our logo serves as a reminder of our core fundamentals: honesty, integrity, and dillegency - it is the key to a long lasting relationship we hope to share and sustain. We treat every single client, no matter the circumstances as if they're family. 

Frequently Asked Questions

Does the lowest rate mean the cheapest loan?

What's the difference between fixed rate and adjustable rate?

What are closing costs?

What's the lowest down payment I can use to get a loan?

Can I get a loan with decent to bad credit?

What are the benefits of refinancing?

No. The difference in interest rate often means a change in payment of about $15-30 a month. Banks that offer the lowest rate often times add on additional fees, such as _____, that can cost you an additional $3,000, upfront.

On a fixed rate loan, the interest rate stays the same for the entire life of the loan. On an adjustable-rate mortgage (ARM), the interest rate is locked in only for a certain period of time, afterwhich it can go up or down, depending on the market value. 

All home owners must pay a closing fee, which is generally between 2-5% of the purchase price. This fee includes items such as title insurance fees, attorney fees, appraisal fee, recording and underwriting fees, pre-paid interest fees, etc.

There are several different loan programs that apply to different personal and financial situations. The downpayment can range from 0-20%.

Yes. Bad credit does not mean you can't be a home owner. You might pay slightly more in fees and a higher interest rate, but as long as the credit score isn't too low, there will be a lender out there that's willing to fund your loan.

When you purchase your home, you finance it. Refinancing it is going through that process again in an effort to get reduce the monthly payments by reducing the interest rate, to take cash out of your home, or change mortgage companies.

Got a question of your own? Let us know and we'll get back to you within 48 hours.

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Contact Us


(714) 475-5050



7071 Warner Ave.


Huntington Beach, CA 92647

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