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We believe in giving you the knowledge to understand your options and take control of your home purchase.
A Hands-On Experience
We Deliver Your Keys Personally
We are a full staffed team. What does that mean for you? This means that you have Dave and Melvin doing the most important things for you and with you.
{ In This Picture, The Lizarraga Family, Actual Clients Receiving Their Keys In Whittier, CA. }
OUR PHILOSOPHY
We Believe In Transparency
Welcome to Powerhouse Mortgage and The Velvet Fence Real Estate Team and around here, it’s simple: no pressure, no gimmicks, just real conversations that help you make smart decisions.
Whether you’re buying your first home or getting back into the market, we’re here to walk you through it with honesty, transparency, and real answers that fit your situation.
As Seen On:
"Since 2010, we’ve been helping our clients build lasting wealth through integrity, expertise, and exceptional service —creating not just successful outcomes, but lifelong friendships along the way.
I am Inspired by People And Powered by Results."
~ Melvin J Ortiz
Client Praise
What Our Clients
Are Saying
We’re proud of our work—here’s what our clients have to say about choosing us:
Help For Veterans
"Veterans, look no further for a lender.
I'm really grateful to have worked with Dave through my first home buying experience. He's a wealth of knowledge, truly professional, and tailors explanations of complicated processes in understandable ways.
He accomplished the impossible and got our property fully VA reviewed and accepted in just a few weeks, despite overwhelming expectations that it couldn't be done. If you're a vet, you know what working with the VA is like. Dave moved mountains for my family, provided updates along the way to keep us in the loop, and kept the VA headache off my plate.
He also provided hands-on assistance to improve my credit prior to buying our home, which directly impacted our success throughout the process.
My family now has a home, and when we start looking for our next one down the road, Dave will be my first call."
Trevor P., Army Vet
Anaheim, CA
Nobody Does It Better!
Working with Mr. Dave Soza and Melvin Ortiz is always a pleasure. When I called Dave to explain my situation -- that I needed to sell one property and purchase another right after -- he and his team took it head-on! With my busy schedule, working seven days a week and 12-hour shifts, I truly appreciated how convenient the process was. I was kept 100% informed every step of the way, and the communication was absolutely outstanding. I couldn't have asked for more!
What sets Dave and Melvin apart isn't just their exceptional service, but also the way they take the time to explain everything clearly. Their responsiveness and willingness to answer every question made the entire experience priceless.
I wasn't just selling or buying a property -- I was being guided step-by-step to understand how and why everything worked the way it did.
Nobody does it better! 100% recommended to anyone looking to buy or sell a home."
Diana & Felix M.
Whittier, CA
The Only Guys I Refer
"To say that my experience was amazing does not represent or express the level of service I received with Dave, Melvin and team. Dave is focused on first educating, providing a true mapping of the mortgage loan process. During our introductory meeting, I knew I had aligned with right professional. He is honest, knowledgeable and true advocate, meaning he handled tasks in a quick manner. Most important he cared about my goal of securing a forever home, and they did just that. I'm grateful for such a smooth and quick process.
Dave and Melvin, you will be the ONLY mortgage broker and Realtor Duo I use and refer to family and friends. They rank 10 stars!!!!"
Keysha L.
Lakewood, CA
Unmatched Service
"Everything about working with David was a dream. He is helpful, honest and very easy to deal with. He also got us the best deal! Could not recommend him enough. He's a master of his craft. The education that he provides is insurmountable, the trust he provides is invaluable, his professionalism and his ability to navigate the waters of the loan industry is only a small fraction of the reason I will (and do) send all of my friends, family and esteemed colleagues to David. The value he provides is unmatched."
Krissy & Patrick W.
Fullerton, CA
Felt Supported Every Step
"I enjoyed working with Dave Soza. He helped our family get our first mortgage, and I appreciated him taking the time to teach me about the lending process. Thank you, Dave Soza in Downey, is exceptional! He guided me through the entire loan process with expertise and professionalism. I felt supported every step of the way. Highly recommend his services for home purchase or refinance."
Leo R.
La Habra, CA
Delivered Every Dollar!
"Melvin, David and their team are professional, courteous, and easy to work with. He came in on short notice, understood our needs, and got the job done. The team kept us up-to-date every step of the way. We cannot say enough about them! If you have a home to sell and want every dollar you deserve, you can be sure they will take care of you."
Vicky & John P.
Ontario, CA
Most Common Concerns
Frequently Asked Questions
By Our Clients
Do I Need Perfect Credit?
Nope! You don’t need perfect credit — many of our buyers qualify with scores as low as 580. We’ll help you understand your options and build a clear plan.
How Much Do I Need For A Down Payment?
You can buy a home with as little as 3% down — and some buyers qualify for down payment assistance that covers even more.
How Long Does It Take To Buy A Home?
Once you’re pre-approved, most of our clients are in their new homes in 30–45 days. We guide you every step of the way so you’re never lost.
What If I Don't Have Enough Saved?
You’d be surprised. There are first-time buyer programs that help cover closing costs or reduce upfront expenses. We’ll show you exactly what you qualify for.
How Do I Get Started?
It starts with a quick, free 15-minute call — no pressure, no commitment. Just a conversation to see what’s possible and map out your next step.
What Documents Do I Need?
You’ll typically need proof of income, bank statements, tax returns, and credit information. Specific requirements may vary by lender.
How much can I borrow for my mortgage?
Your borrowing amount depends on your income, credit score, down payment, and debt-to-income ratio. A pre-approval can give you a clearer estimate.
What's the difference between a fixed-rate and adjustable-rate mortgage?
A fixed-rate mortgage has a steady interest rate throughout the term, while an adjustable-rate mortgage (ARM) has a rate that may fluctuate after an initial fixed period.
How long does the mortgage approval process take?
The timeline can vary but generally takes 1-7 days, depending on factors like document verification, appraisals, and lender-specific processes.
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2025. All rights reserved.
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BOARD LICENSES
David Soza [ NMLS #652831 | BRE #01379444 ]
Melvin Ortiz [ DRE #01897346 | Broker: DRE #02142871 ]
We are an Equal Housing Lender and do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. All real estate advertised is subject to the Federal Fair Housing Act, prohibiting discrimination based on race, color, religion, sex, handicap, familial status, or national origin. The advertiser will not knowingly accept advertising in violation of this law, ensuring all advertised properties are available on an equal opportunity basis.