Mortgage Brokerage & Lending Advisory

The Randhawa Group provides mortgage brokerage and lending advisory services designed to help clients secure the right financing with legal and financial clarity. As a California DRE-licensed broker with an MLO endorsement, Amtoj combines lending knowledge, legal insight, and real estate expertise to guide borrowers through every stage of the financing process — ensuring informed decisions, strong terms, and long-term financial alignment.

Loan Product Analysis & Selection

Comprehensive evaluation of residential, commercial, and investment loan products — helping clients compare rates, structures, and terms to select financing that aligns with their objectives.

Pre-Qualification & Application Support

Assistance with preparing loan applications, gathering required documentation, and coordinating directly with lenders to streamline approval and reduce processing delays.

Tailored lending strategies for investors seeking DSCR loans, portfolio financing, multi-property acquisitions, BRRRR strategies, and long-term wealth-building through leveraged real estate.

Financing Strategy for Investors

Legal & Contractual Review

Refinancing & Restructuring Guidance

Advisory support for rate-term refinancing, cash-out refinances, and debt restructuring — helping clients improve loan performance, reduce payments, or unlock equity strategically.

Strategic guidance for commercial loans, SBA financing, construction loans, and business-backed real estate lending — integrating legal, financial, and operational insight into every transaction.

Commercial & Business Financing Advisory

When you finance with The Randhawa Group, you gain more than a mortgage broker — you gain a strategic advisor who evaluates both the financial and legal implications of every lending decision.

Attorney-level review of loan documents, disclosures, and financing terms to identify risks, strengthen borrower protections, and ensure compliance throughout the lending process.