Frequently Asked Questions

Troy Mire | Real Estate • Mortgage • Private Capital

🔹 Real Estate Services

Q: What areas do you serve?

We specialize in Southern California, including Los Angeles, Orange, Riverside, San Bernardino, San Diego, Ventura Counties, and the San Fernando Valley.

Q: What’s the difference between working with a Real Estate Broker vs. an Agent?
As a Broker, Troy brings a higher level of licensing, experience, and strategic insight than most agents. That means sharper negotiations, smarter pricing, and a more seamless transaction from start to finish.

Q: How do I know when it’s the right time to sell?
Timing is market-driven, but the real key is understanding your financial goals. We evaluate current trends, local comps, and your equity position to help you decide when selling makes strategic sense.

Q: Do you work with first-time buyers?
Absolutely. We guide first-time buyers through each step of the process — from financing to closing — with education, transparency, and care.

🔹 Mortgage Lending

Q: What types of loans do you offer?
We offer a full suite of mortgage solutions:

Conventional, FHA, VA, USDA Non-QM, DSCR,

Bank Statement, Asset-Based Investor and business-purpose loans

Q: Can I get pre-approved before house hunting?
Yes — and you should. Pre-approval strengthens your offer and gives you a clear understanding of your budget.

We can get you pre-approved quickly, often within 24–48 hours.

Q: Do you work with clients who are self-employed or have complex income?
Yes. We specialize in working with self-employed individuals, investors, and those with non-traditional income using tailored loan products that big banks often overlook.

🔹 Private & Hard Money Lending

Q: What is private or hard money lending?
Private lending is asset-based financing often used for investment properties, fix-and-flips, or clients who need fast funding and don’t qualify through traditional channels. It’s flexible, fast, and solution-driven.

Q: Who is private capital best suited for?
Ideal for investors, developers, or homeowners facing time-sensitive scenarios like:

Cash-out refis Foreclosure or BK rescue1st, 2nd, or 3rd trust deed financing

Complex credit or income challenges

Q: How fast can you close?
In many private or hard money cases, we can close in as little as

5–7 days, depending on the complexity and documentation.

🔹 General Questions
Q: Why work with someone who’s licensed in both real estate and lending?
Because you get a 360° perspective. As both a Real Estate Broker and Mortgage Expert, Troy identifies issues early, structures deals strategically, and protects your best interests throughout every stage.

Q: How do I get started?
Call or text Troy directly at: 562-244-7963

or

book a consultation online.

We’ll start with a quick strategy call to identify your goals and build a game plan that works for you.

Need a question answered that’s not listed here?
Email us at

[email protected]

— we’re happy to help.