Equity 123 Lending
  • Your Home, Our Commitment!

    At Equity 123 Lending, we offer a hassle-free loan experience by combining personalized attention, whether you're a first-time homebuyer, an investor, or an experienced homeowner.
  • Experience Simple.

    You've worked hard for your home...Let us find you the right loan.
  • Securing Your Future

    Unlock Opportunities with Tailored Mortgages for Your Investment Journey

About Equity 123 Lending

Looking to navigate the complex world of mortgages with ease and confidence? Equity 123 Lending, your trusted mortgage broker, is here to revolutionize your loan acquisition experience. With an exclusive combination of state-of-the-art technologies and unparalleled personalized service, we're dedicated to simplifying the loan process, ensuring it's straightforward and stress-free. Our expertise lies in meticulously tailoring loan products to match your personal and financial aspirations, ensuring a perfect fit for your lifestyle.

At Equity 123 Lending, we're more than just a mortgage broker; we're your partner in achieving your homeownership dreams. Our commitment to honesty, integrity, and competence shines through in everything we do. We strive to empower our clients with the most competitive rates and minimal closing costs, ensuring your path to a new home is cost-effective and seamless. Let us guide you home with our expert advice and personalized support. Reach out today at cedric@equity123lending.com or call us at 949 306-6602. Discover the difference and embark yourself on a hassle-free journey to securing your ideal home loan.
Equity 123 Lending - Home Loans

In Business Since 1980

Jumbo LoansEquity 123 Lending

Our Experience

The Advantages of Working with Us

Cutting-Edge Technology

We are at the forefront of innovation and use the newest technology to expedite the mortgage application process.

Customer-Centric Approach

We offer tailored options that satisfy your specific needs and financial goals.

Personalized Guidance

Providing guidance tailored to your goals, ensuring that your mortgage journey is as unique as you are.

Comprehensive Loan Solutions

Our diverse portfolio ensures we have the right product for every client.
Our Testimonials

What Our Customers Are Saying
About Our Services

  • Cedric was phenomenal! He was constantly on the other end and answered every question I had. If I could give him 10 stars I would. I would recommend him to anyone and everyone.
    -Patricia Yates
    Cedric and his team made the lending process for our new home efficient and stress free. They were always very responsive and readily answered any questions we had. Pam worked directly with our insurance company, taking one less task off our plate during our moving process. I'd handily recommend them to anyone looking for a home lender.
    -Jonathan G
  • Cedric is amazing. It is rare to find someone with diligence, knowledge, and integrity. So it goes like this ... Cedric is a colleague and a friend. Naturally, we approached Equity123 for our loan. Having collaborated together in the past it was an effortless working relationship - Cedric would notify, inform, and educate when needed, he tasked himself with both simple and complex matters, removing most of the work off our plate. Surprising, or not knowing Cedric's character, he responded to our queries and actioned promptly, whether is was 600am or 1100pm. Most of all, it is comforting to know, our best interest were foremost, not his. Highly recommend to everyone.
    -Nigel Jay
    Cedric did a great job in weighing out our options for our new home build. He was knowledgeable and even gave us some things to consider even though we elected to use builder financing. Rest assured, when its time to refinance, we'll be calling Equity 123 Lending and Cedric
    -Christine Smith
  • As first time home buyers we were very nervous about how this process may be. Working with Cedric and his team at Equity123 Lending made this process run so smoothly and efficiently. This team was amazing and explained everything in detail from start to finish and we felt we were in great hands. This team truly wants the very best for you and they worked diligently to help us every step of the way. We will recommend them to everyone from now on. Thank you Cedric and Equity123 Lending!
    -Steven & Rayssa Doshna
    Equity123 (Cedric Campbell) was the best thing that happened during the home buying process. He not only explained the process he took the time to break things down, discuss the financials in easy to understand format, and he even went above and beyond to assess the investment options and value of the property. He followed up and was exceptional. 10/10 would recommend and I have given his info to many other people and hopefully they find the same value I did working with Cedric.
    -Pablo Padilla
  • Cedric and his team created a steady pace for us from the very beginning. They did a wonderful job keeping us informed through the whole process and were quick to reply to all questions. We completed the refinance earlier than scheduled. I am very thankful for their time and one on one service.
    -Jill D'Etcheverry
    Cedric Campbell and the Equity 123 team did an excellent job getting us to the finish line. Any speed bump we encountered was quickly remedied and our minds were put at ease. Communication was easy and prompt. I would recommend hiring Equity 123 for your mortgage needs!
    -Jon Shuler
  • I was referred by a friend to Cedric for his service. Cedric was extremely knowledgeable and helpful with any questions that I had throughout the process. Explained it in a way where it was easy to understand and to follow. Cedric is fast and reliable. Provided advice to increase my credit score to get the best rates possible. He went above and beyond. I would highly recommend him for any home loans or refinancing services.
    -Justin Le
    Cedric is an outstanding business partner! A residential mortgager broker Extraordinaire. Great communicator and will do whatever it takes to get to the finish line. He’s trustworthy and I always feel relaxed when referring him a client because he overdelivers. I highly recommend him.
    -Valerie Dufix
  • Thanks to Cedric Campbell and April Moriset at Equity123 Lending for handling my recent refinancing so beautifully. They were responsive any time I had a question. They were professional and kept me informed all the way through the process. Cedric provided me with numerous financing options based on my specific needs for the loan. I highly recommend Cedric and his team at Equity123 Lending for all of your mortgage and refinancing needs.
    -Jean Latu
    Working with Cedric made my home purchase experience so much easier. He was always willing to guide me and explain the details of the mortgage loan process, filling all the gaps I had as a first time home buyer. Now I am a satisfied home owner. Would work with Cedric anytime.
    -Ricardo Aguinao
  • Mary Fisher and Equity 123 were amazing through the entire transaction. She provided super detailed responses to my clients and provided numerous options to ensure they were getting the best rates. She reached out to the listing agent to make sure they had all the information they needed. Mary was professional, yet personable. I will absolutely send new clients her way because I know they will be taken care of. Thank you Mary! You’re the best!
    -Collin Petersen
    I worked with Mary Fisher to refinance my home. Due to covid 19 I had debt to income issues and a very tight time-line to work with. Mary found a great loan program that got me a much lower rate and great lender credits which reduced the cost of my refinance. Mary is very attentive to details and kept in touch with me at all times which made me feel very at ease. I closed my new refinance on time with no problems and a complete understanding of my new loan terms and costs. I would highly recommend Mary for any real-estate lending needs. A totally professional experience.
  • In a sea of low cost mortgage companies, I want to tell you that experience makes a difference if your situation is anything but vanilla. With nearly 30 years of underwriting Cedric Campbell knows how to adjust to any curveballs your loan process may throw at him. Due to my various business ventures, he had to formulate a bank statement loan.
    During my refinance, he worked with the title company and got rid of a secret lien that had come to light just four days before closing escrow, and saved my rate lock as rates are climbing at the moment.
    -Joe Eleshio
    We are beyond grateful to have found Mary at Equity 123! She truly made our dreams come true when we looked to move. She met with us, reviewed all possible options, was highly professional and maintained thorough and transparent communication. We can’t imagine a more wonderful person to have had as a lending officer for our transition and move. We’ll continue to recommend her to anyone looking for a lending officer. Thank you so much, Mary!
    -Ronda Smith
  • As a small business owner I thought I would not be able to refinance our home due to the current state of the world. Then, along came Mary Fisher. She said, "let's just run some numbers and see what options you have". Well, I have to say, Mary was fantastic. She found us a lender and led us the entire process to what turned out to be a very good refi, which saves us money every month and brought to us a sense of financial security that I had not had before. I cannot recommend Mary Fisher and Equity123 enough. Mary has an amazing work ethic and a kind, fair, even demeanor that was easy to work with and the most important thing is SHE DELIVERED. Thank you Mary Fisher.
    If you are in a situation where you are unsure of your options, give Mary a call. You'll be glad you did.
    -Marcus Kettles
    My experience applying for a re-fi with Cedric and April at Equity 123 was professional and respectful! They simplified and guided me through the whole process. As a non-teckie person , they helped me so much and took any frustration I had with paperwork to a easier way of doing things. I would have been lost without their guidance. Thank you Team Equity 123 for helping me save so much money!!
    -Gale Corey
  • Mary Fisher was great from start to finish. She was reliable, honest, communicative, and a pleasure to work with. I have already recommended her to my friends who are considering refinancing. She'll definitely be my first call if we plan on buying or refinancing in the future. Thank you to Mary, and her fast and efficient team.
    -Christina Coleman
    Mary Fisher handled our refi. There were a few extra "To-Do's" than normal due to logistical issues. Mary had everything handled like the professional she is. I personally do not enjoy the process in the least bit. Mary held the course steady and got us through with impressive ease. Mary streamline the process which was important to us. She saved us almost $400 per month and got a high interest credit card eliminated as well to free up so much money a month that we'll pay our house off years before the loan timeframe expectation. We'll also vacation even more! Thank you Mary. You were a breathe of fresh air in this industry. I'll refer anyone possible to you without fail!
    Cheers and warmest regards. Tony and Janet
    -A R
  • We highly recommend Equity123 for any and all mortgage-related needs. Cedric is seasoned and knowledgeable. But more than that, Cedric is conscientious. In our interactions with Equity123, Cedric not only endeavors to furnish the optimal solution, but often will assist even he stands to gain nothing. Please do not waste time elsewhere, just call Cedric.
    -Nigel Jay
    Absolutely the best team for your home buying needs. Cedrick and his team are Rock Stars! Very knowledgeable and helpful! Thanks Cedrick and Fred for all your help!
    -Kelle Lane
  • I have been a homeowner for 31 years and have dealt with mortgage lenders many times over that period. Equity123 Lending is by far the best. They are the most knowledgeable, responsive, and provide the best rates and value in the industry. I can't say enough about my experience with Equity123 Lending except to say, they are simply the best. Thank you Equity123 Lending!
    -GLenn Burch
    Great experience working with Cedric. Great at clarifying obscure lender demands and is committed to getting you the best outcome. It was a real pleasure.
    -Robert Jystad
  • It was a pleasure working with Cedric. He made the whole transaction smooth and was able to close fast. Definitely recommend!
    -Iryna Mitchell Realtor
    Cedric was thorough and punctual and expedited the approval process. He responded quickly and answered any questions we had.
    -Gerry Dransfeldt
  • Great experience with Equity123. Accessible, knowledgeable, and well equipped to provide a wide array of funding products.
    -Chase Johnson
    Cedric walked me through every step of the process.
    He was always available to answer my questions and he was extremely patient.
    I would recommend him 100 💯
    -Terry Hafler
  • The process took longer than I expected, but when Cedric took over he delivered what he promised. Always available when I needed him.
    Cedric did a great job. So much so, I already referred a client of mine to him recently.
    -Lucy Walther
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Contact Equity 123 Lending

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(949) 306-6602
Opening Hours
Monday – Friday : 9 am to 5 pm

Equity 123 Lending

Equity 123 Lending is a licensed mortgage broker.

All loans originated by Equity 123 Lending are funded by third party lenders. Equity 123 Lending INC, and Equity 123 Lending, LLC. are authorized to do business as “Equity 123 Lending” in certain states.

Equity 123 Lending is an equal housing lender.
cedric@equity123lending.com949 306-6602
22512 Aliso Park Drive
Lake Forest, California 92630
NMLS ID #2033794
NMLS ID For California #2476839
NMLS Consumer Access
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
© 2024 Equity 123 Lending INC. and Equity 123 Lending, LLC.
Our commitment is to provide unparalleled customer service and exceptional value.
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