Mortgage advisory · Laguna Beach
Find the good life.
We’ll help you fund it.
Boutique mortgage advisory for the Southern California coast — from your first home to a tenth investment property.
Plan with precision
Three calculators.
One unhurried conversation.
Whether you’re buying your first beach cottage, refinancing the family home, or pulling equity for the next investment — start here. The numbers are real; the next step is a conversation.
New Purchase
Estimate your monthly
Property taxes, insurance, HOA
Refinance
See if a refi pencils
The new loan
Home Equity
Unlock what’s already yours
Estimates only — actual rate, payment, and equity availability depend on credit, property, and program. NMLS #2541845.
The programs
A loan for every chapter.
Through Mares Mortgage, we maintain relationships with dozens of lenders — so the right loan finds you, not the other way around.
Conventional
Conforming and high-balance loans for primary homes, second homes, and investment.
Run the numbers →Jumbo & Super Jumbo
Loan amounts to $30M for the coastal estates that don’t fit a conforming box.
Run the numbers →Investment / DSCR
Qualify on the property’s rents, not your tax returns. Built for the portfolio investor.
Run the numbers →Bank Statement
For the self-employed founder, creative, and consultant. We read 12–24 months of deposits, not W-2s.
Run the numbers →HELOC
Standalone or piggyback. Tap equity without disturbing your low first-lien rate.
Run the numbers →
Derek LeBon · Founder & Loan Originator · Laguna Beach
The founder
Built by a local,
for the long term.
Derek LeBon founded BONLIFE Capital after a decade closing residential and investment loans across coastal California. He noticed something simple: the wealthier the client, the more cookie-cutter the experience often felt.
BONLIFE was built to be the opposite of that — a boutique advisory where every loan is shaped to the client, the property, and the long arc of the portfolio. No call centers. No 800-numbers. Just one direct line, from first conversation through final wire.
“Mortgage isn’t a product to sell. It’s the financial spine of how a family lives. I take that seriously.”Get in touch →
The process
Four steps.
No surprises.
From first call to funded loan, you’ll always know what’s happening, what’s next, and what we need from you.
Conversation
A 30-minute call. We listen first — your goals, your timeline, your full financial picture.
Strategy
We model multiple loan structures and shop the rate across our lender network.
Approval
Pre-approval issued, often within 48 hours. Fully underwritten options on request.
Funded
Average 17 days to close. White-glove coordination with your agent and escrow.
★★★★★ Mares Mortgage · 4.9 Google
Derek closed our jumbo refi 11 days after we signed the application. He answered my texts at 9pm on a Sunday. That’s just not how mortgage usually works.
We’re self-employed and had been told ‘no’ by three banks. BONLIFE structured a bank-statement loan in two weeks. We’re in our home in Laguna because of Derek.
I’ve used Derek for four loans across my rental portfolio now. He thinks like an investor. The rate is always sharp, the docs are always clean.
Coming back to refinance four years later felt like calling a friend. Same person, same care, sharper rate. That’s the whole BONLIFE thing.
Begin
Find the good life.
We’ll fund it.
One call. No obligation. The conversation is the starting point.