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Home loans for buying, refinancing and cash‑out

Lending Sphere, Inc. is a Fresno-based mortgage broker serving all of California. As a broker, we shop multiple wholesale lenders to find a loan that fits your goals.

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What we help with

Clear mortgage options tailored to your property, finances and timeline across California.

Buying a home

Purchase loans for a primary home, second home or investment property, including loans for first-time buyers.

Refinancing

Replacing your current mortgage with a new loan, for example to change the loan type or term.

Cash‑out

Borrowing against the equity in your home and receiving part of it in cash.

See the loan programs we work with

How a broker works for you

Lending Sphere, Inc. is a mortgage broker. We don't lend our own money. We work with multiple wholesale lenders, compare what they can offer for your situation, and help you choose. The lender you choose funds the loan.

1. Share your goals

Tell us about your purchase or refinance timeline, property plans and overall financial picture.

2. Compare lenders

We shop multiple wholesale lenders side by side to compare programs, terms and closing costs.

3. Close with confidence

We guide your file through processing, appraisal, underwriting and escrow all the way to funding.

How it works, step by step

Who you'll work with

Direct guidance from experienced California mortgage professionals from pre-approval through closing.

Nate Kucera

President/Broker
DRE #01401458 · NMLS #295855
Phone: 559-960-7881
Email: nate@lendingsphereinc.com

Dave Kucera

Mortgage Loan Originator
DRE #02235901 · NMLS #1635610
Phone: 303-305-9421
Email: dave@lendingsphere.io

About Lending Sphere

Call or visit

Reach us directly by phone, email or at our Fresno office.

Start your applicationRequest a call