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 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 10% 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 (1st and 2nd Trust Deed).
  • 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 and qualifying of both borrower and property.

 

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.