About My Mortgage Company
A Mortgage Broker Who Stays In the Deal
My Mortgage Company is a licensed California mortgage brokerage built around one principle: every borrower deserves a broker who answers the phone, explains the numbers honestly, and closes on time. That broker is Omar.
15+
Years of Experience
9
Loan Programs
1
Point of Contact
CA
Licensed Statewide
Meet the Broker
Omar L. Ortiz — Broker & Owner
Omar L. Ortiz founded My Mortgage Company with a clear mission: give every borrower — first-time buyer, self-employed professional, or seasoned investor — access to the full range of loan programs that banks typically reserve for their most profitable clients.
With a background that spans banking leadership, real estate brokerage, and 15+ years of mortgage origination, Omar brings a level of technical depth that most retail loan officers simply do not have. He has closed FHA loans for borrowers starting with 580 credit scores and jumbo transactions above $1M — and every borrower in between.
He also owns My Realty Company and is affiliated with Capex Property Management — which means clients who need real estate, mortgage, and property management can work with one coordinated team.
Licensing & Credentials
Licensed, Registered, and Verified
My Mortgage Company is licensed by the California Department of Real Estate and registered with the Nationwide Mortgage Licensing System. You can verify our license at nmlsconsumeraccess.org.
- NMLS #951384 — Individual Mortgage Loan Originator
- CA DRE #02056548 — California Real Estate Broker
- My Mortgage Company, Inc. NMLS #2269164
- My Mortgage Company, Inc. DRE #02168831
- My Realty Company, Inc. DRE #02161424
- 15+ years in real estate, banking, and mortgage origination
What We Do Best
Borrower Specialties
We work with all borrower types — including the complex files that big banks decline.
First-Time Buyers
FHA, Conventional 3% down, USDA — we explain every step.
VA Loans
COE assistance, no-down-payment closings for veterans and active-duty.
Self-Employed Borrowers
Bank statement programs — no tax return required.
Real Estate Investors
DSCR, hard money, fix & flip — built for portfolio growth.
Refinance
Rate-and-term, cash-out, and FHA-to-conventional transitions.
Non-QM / Complex Files
Experience with files other brokers decline.
Common Questions
About My Mortgage Company
What loan programs does My Mortgage Company offer?
My Mortgage Company offers FHA, VA, Conventional, USDA, Jumbo, Bank Statement (self-employed), DSCR (investors), Hard Money/Bridge, and Fix & Flip loans. We work with buyers, homeowners refinancing, and real estate investors throughout California.
How long has Omar been in the mortgage industry?
Omar L. Ortiz has over 15 years of experience spanning banking leadership, real estate brokerage, and mortgage origination. He founded My Mortgage Company to give Bakersfield borrowers access to a full range of loan programs with personal, one-on-one service.
Is My Mortgage Company licensed in California?
Yes. My Mortgage Company, Inc. is licensed by the California Department of Real Estate (DRE #02168831) and registered with the Nationwide Mortgage Licensing System (NMLS #2269164). Broker Omar L. Ortiz holds NMLS #951384 and DRE #02056548.
Does My Mortgage Company work with first-time buyers?
Absolutely. First-time buyers are one of our most common borrower types. We specialize in walking first-time buyers through FHA, Conventional (3% down), and USDA programs — explaining every step, every fee, and every option along the way.
Is My Mortgage Company affiliated with My Realty Company?
Yes — both companies are owned by Omar L. Ortiz and operate out of Bakersfield. Clients who work with My Realty Company for real estate representation often use My Mortgage Company for financing, which means one coordinated team handling both sides of the transaction.
Ready to Work With Omar?
Get pre-approved or reach out with any questions — Omar responds personally within one business day.
My Mortgage Company, Inc. · CA DRE #02168831 · NMLS #2269164 · Broker: Omar L. Ortiz, NMLS #951384, DRE #02056548. Licensed by the California Department of Real Estate. Loans subject to credit approval. This is not a commitment to lend.