About Ian Carnochan

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #256677), Ian Carnochan can assist you with your home loan needs, including:

  • First-time purchase
  • Second-Home purchase
  • Refinance
  • FHA and VA loans
  • Conventional loans
  • 203(k) Renovation loans
  • Jumbo loans

Ian has over 27 years’ experience in lending, forging relationships with colleagues from processing to the CEO to help his clients as needed. He is well versed in FHA and VA financing; Conventional guidelines are second nature to him as well. Not only can Ian work on your loan qualification,  but he can structure your loan to meet your overall goals and needs while navigating through this new lending environment. 
Ian and his team have closed well over 5,000 transactions during his career. His success is primarily because he has concentrated his efforts on being the best partner he and his team can be for his client as well as his agent partner. Ian’s team works hard to create clients for life; Their focus is to become someone you can confidently refer to your friends and family.
Why Home Bridge and Ian Carnochan? Ian and his team strive to always provide an exceptional  experience to their clients with a focus on “real” not “perceived” customer service.  When you call, you know that they care about you and your needs and you are not just a number. Home Bridge Financial revolves around customer service and the relationship we share with our partners and clients. That is why your agent, friend or family member referred you to us, and why they have chosen to work with Ian Carnochan.

Contact Ian Carnochan Anytime

Feel free to contact Ian anytime by phone or email for personalized service and expert advice. Ian Carnochan will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Ian Carnochan is 203(k) Renovation Lending Certified

Ian is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Ian Carnochan values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Ian by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Mark G. Aug-18
“Fast, efficient and helpful.”
Irene E. Aug-18
“I qualified with no issues. Friendly, personal experience.”
Mark G. Aug-18
“Fast, efficient and helpful.”
Irene E. Aug-18
“I qualified with no issues. Friendly, personal experience.”
Mark G. August 2018
“Fast, efficient and helpful.”
Irene E. August 2018
“I qualified with no issues. Friendly, personal experience.”
Mark G. August 2018
“Fast, efficient and helpful.”
Irene E. August 2018
“I qualified with no issues. Friendly, personal experience.”
Carmy M. June 2018
“Fast responses when asking questions. Very helpful!”
Patricia S. November 2017
“Ian Carnochan is great to work with.”
Maria M. November 2017
“Ian and his team were great to work with because they explain the process in detail and looked for the best loan for us.”
Edin A. October 2017
“Great customer service.”
Lee C. La Habra, CA
“Yes. Ian is great!”
Albert L. Rancho Cucamonga, CA
“We were very happy with the communication throughout the process. Always felt comfortable and that our loan was going smoothly. Thank you.”
Debbie F. Calimesa, CA
“Very, very good communicator.”
Michael C. Moreno Valley, CA
“This is the third time my wife and I have enjoyed the opportunity of working with Ian Carnochan and team. All of our loans have gone smooth and this team always made the experience painless. They always put our wants and needs first and did everything they could to make the whole process easy on us. Many thanks for all your efforts and professionalism.”
Deann W. Rancho Cucamonga, CA
“The loan process was very easy and hassle free. Ian and Emily went out of their way to ensure that I closed in a timely manner. They even sent a notary to me while I was on vacation, now that is service. Thank you, DeAnn Wheeless”
Romanz C. Moreno Valley, CA
“Personable. It'”
Marea S. Riverside, CA
“Our lender, Ian Carnochan was wonderful to work with! He made the buyer's experience smooth and easy to understand. He was able to qualify them to purchase when we were not even sure if they would qualify. Overall we are more than satisfied, everything was on-time and I would definately recommend Ian to any other agents or home-buyers. He is professional, friendly and easy to work with.”
Brett S. Riverside, CA
“Kept me well-informed. Were very reassuring. Helped me through the process. Understood that, although they do this every day, that I will probably only do this a few times in my life. Great at coordinating with all parties involved. They get it, and they provided excellent customer service and support. Their experience is evident; these are seasoned professionals.”
Clifford W. La Verne, CA
“Ian and team were outstanding and made the process smooth and easy. They always explained what was happening and were helpful and professional.”
John M. San Clemente, CA
“Ian Carnochan was always immediately available whenever he was needed. He kept us advised as to the status of the loan. He provided creative solutions to some of the challenges that were created. He anticipated issues and advised us of what those might be and how we could resolve these possible issues.”
Kara P. Rancho Cucamonga, CA
“Ian was great!!!”
Dianna R. La Habra, CA
“Ian was outstanding; he was attentive, sincere, caring and very supportive. In addition, he made sure that any issues or concerns were attended to immediately and, most importantly, looked for solutions if we had any interruptions in the transition. Outstanding associate. I strongly believe that I worked alongside an exceptional team (Ian and Delmy and any others I did not have the pleasure to meet but were a part of this process). In addition, the leadership provided by Ian allowed to build my confidence and trust in Ian, and your firm, from the onset...key factors in any business transactions no matter how small or grand.”
William B. Hemet, CA
“Everyone we worked with was polite, prompt with response, and followed through with what was promised. Very professional group.”

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