Loan Products

We offer a variety of loan programs to meet your needs:

Conventional Home Loans

  • Conventional Conforming and High Balance loans to $636,150 in LA and Orange County areas. Loan limits vary depending on Federal County Limits. As little as 3% down payment required for loans less than $424,100, and 5% down up to $636,150. This applies to Single Family Homes, PUD’s, Townhomes & Condominiums. Please call for higher limits on 2-4 units.
  • Jumbo loans with only 5% down Payment (above $636,150 unless county limit is lower).
  • Jumbo loans to 90% LTV with No Mortgage Insurance.
  • Jumbo Home Loans to $3,000,000 (Call for higher loan amounts and availability).
  • 10% Down Payment with No Mortgage Insurance on our 80/10/10 Combo loan product.
  • Fixed Rate Products with 15, 20, & 30 Year Terms (Purchase & Refinance with or without Cash-out for Owner Occupied, Second Homes and Non-Owner Investment properties). Terms depend on product chosen.
  • 5, & 7  Year Fixed Rate Programs– these loans generally become adjustable rate loans after the initial fixed rate period (may vary with market availability).

Government Insured Home Loans

  •  FHA Low Down Payment Purchase Programs and Refinance Programs including FHA Streamline Refinance Program. As little as 3.5% down payment required. Loan limits as high as $636,150 in Los Angeles and Orange Counties  (County Loan Limit Restrictions apply, please call for other Counties).
  • FHA Low FICO program to 580 credit scores.
  • FHA 203K Standard and Limited programs: Purchase and improve a home with one loan. Call for details.
  • VA No/No…No Down and No Closing Costs to $636,150 in LA & Orange County (2017 County Loan Limit Restrictions apply, please call for other Counties).
  • VA Low FICO program to 580 Credit scores.
  • VA Jumbo to $1,500,000, subject to Veterans eligibility.

 Specialty Programs for First Time Buyers

  • CalHFA Down Payment Assistance Program. 3% Down Payment or Closing Cost Silent 2nd Trust Deeds to help you close a home purchase with less of your own funds at closing. Subject to availability and qualifying.
  • CHF Platinum, 5% Down Payment Grant Program…ask us how.
  • Mortgage Credit Certificate Program (MCC) available throughout California. An MCC gives the qualifying borrower a Federal Tax Credit which not only gives the borrower a Tax Credit each year that they occupy the property, it can also help a borrower qualify for a higher purchase price. Subject to availability.

 

Our goal is to tailor your home loan to best fit your needs.

One loan does not fit all. Let us guide you through a successful close.

Call today with any questions…you’ll be happy you did.

* Terms subject to change without notice, restrictions and availability apply, not a commitment to lend, borrowers and properties must meet approval guidelines.