NMLS #321759
ID MBL #2080321759
CA BRE #01869699

Call or Text Shannon Today: (949)274-1907

Top Mortgage Broker for CA, FL, ID, & CO

Call Today: (949) 492-2252

California's Best Mortgage Broker

Catch the Perfect Wave Toward Coastal Homeownership

Flexible Loans Built for Beach Lovers, Not Bankers.

Secure Your Dreams

Drop In on Homeownership. Call or Text Today: (949)274-1907

The Affordable purchase home loan, refinance, & reverse mortgage specialists

Introducing Point Break Mortgage

Not Just Another Loan. A Path to the Life You Want.

At LifeSource Mortgage, we believe buying a home by the coast should feel like catching the perfect wave, not crashing through paperwork or getting slammed by high fees.

That’s why we created Point Break Mortgage — a home loan designed for surfers, sunseekers, and coastal dreamers who want to move fast, pay less, and live free. With flexible qualifying options, low or zero points, and a fast-track 24-hour pre-approval process, you’ll be paddling into your beach life before the next set rolls in.

Whether you’re self-employed, relocating, or buying your first beach house — we’ve got the tools to get you there, without the wipeout.

  • Built for Coastal Homebuyers
  • Fast 24-Hour Pre-Approval
  • Low or Zero Points Available
  • Flexible Options for Self-Employed Buyers & Investors
  • Second Homes & Vacation Properties Welcome

Less Paperwork. Just the dream.

Don't get overwhelmed

Home Financing Can be Fast and Easy

New Purchase

We offer many financing options when buying your dream home.

Refinance

Save money and possibly lower your payments on your existing mortgagee.

Reverse Mortgage

Homeowners over 62 years old can borrow against the value of their home & receive funds.

Pre-Approval

Move confidently on your way to home ownership. Fast and Easy!

Don't Trust Your Big Dreams with Greedy, Inefficient Banks

Affordability is Your Key to Reaching Your Dreams

Three Easy Steps to Secure Your Dreams

01

Call now for a free consultation

02

Apply & receive options you qualify for

03

Fast approval, live the dream on your budget

Call Today:
We are here to help you now
(949) 492-2252
Call Today:
We are here to help you now
(949) 492-2252

"We can relate to the stress of making mortgage payments while raising a family"

Shannon & his team are here for you

I understand what it's like. As both a homeowner and landlord, I know how critical affordable home loans are, especially when you're raising a family. I personally understand how frustrating it can be to sit at a big bank waiting for approval while your dream feels like it's slipping away.

I also relate to your challenges—whether it's properties getting older, needing to replace expensive essential equipment, or dealing with the expected and unexpected hurdles of homeownership.

I'm more than happy to help you achieve your dreams. I will do my best to get you the funds you need, and fast.

photo of shannon gray owner of lifesource mortgage licensed for home loans, purchase mortgages, and reverse mortgages

Shannon Gray

Owner of LifeSource Mortgage
Learn More About Shannon Gray

"Shannon has taken care of our family for 10 years with multiple loans in multiple locations. Great guy, great family, great service, cares about us as his customers, someone you want to support the more you know him. Highly recommend him to all my family and friends."

-Gabe W., Bakersfield via Yelp

Read More Reviews Here
Check Out Our 5 Star Reviews On Zillow

Your Choice is Clear

Trust LifeSource Mortgage with your loan

  • Fast turnaround and knowing we have your back
  • Enjoy security and live in the home of your dreams
  • Affordable mortgage or no mortgage payment at all
  • Competitive low interest rates & closing costs
  • Feel like your needs are valued and listened to
  • Continue to live in your own home
  • Minimize and remove unnecessary paperwork
  • Secure a wealth building tool to achieve your dreams
  • Work with experienced, knowledgeable professionals

What could happen if you trust a big bank

  • Unaffordable Payments, Higher interest rates, and prohibitive closing costs
  • Excessive fees & Feel like just a number
  • Loan denial / delayed or lost closing
  • Lose out on your dream

Secure Your Dreams Today!

Call Today:
We are here to help you now
(949) 492-2252

Call LifeSource Mortgage Today:

(949) 492-2252

Your Mortgage, Refinance, & Reverse Mortgage Specialists Serving California & Idaho

 Free Quote TodayNo Obligation
Apply OnlineGet Funds Fast
Reverse MortgageGet the Funds You Need