Polyakh Alex

Home Loans and Refinancing Across California

I help California home buyers get approved for a mortgage, refinance an existing loan, or take advantage of low and no-down-payment programs for first-time buyers. I work with clients in English and Russian and tailor the loan to your specific situation, not a one-size-fits-all rate sheet.

Alex Polyakh has been originating residential mortgages in California since 2010, working with first-time buyers, move-up buyers, and real estate investors alike. Loan programs include:
- Low and no-down-payment options for first-time home buyers
- Investment property financing
- Renovation and fixer-upper loans
- Rate-and-term refinancing to lower your payment
- Cash-out refinancing to access home equity

Every refinance conversation starts with the real numbers - current balance, current rate, and a break-even point specific to your loan, not a generic quote. Alex works with clients across California in both English and Russian, and walks each client through the process personally from application to closing.