Loan Products

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

Conventional Home Loans

  • Conventional Conforming and High Balance loans to $625,500 in LA and Orange County areas. Loan limits vary depending on county limits. As little as 3% down payment required for loans less than $417,000. Loan limits up to $625,500 with 10% down payment. County restrictions apply.
  • Jumbo loans with only 10% down Payment (above $625,500 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 10, 15, 20, & 30 Year Terms (Purchase & Refinance for Owner Occupied, Second Homes and Non-Owner Investment properties). Terms depend on product chosen.
  • 5, 7 & 10 Year Fixed Rate Programs– these loans generally become adjustable rate loans after the initial fixed rate period (may vary with market availability).
  • Adjustable Rate Programs.

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 $625,500 in Los Angeles and Orange Counties  (County Loan Limit Restrictions apply, please call for other Counties).
  • FHA Low FICO program to 580 credit scores.
  • VA No/No…No Down and No Closing Costs to $625,500 in LA & Orange Counties 2015 limits (County Loan Limit Restrictions apply, please call for other Counties).
  • VA Low FICO program to 580 Credit scores.
  • JUMBO VA 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.

*Unless otherwise indicated, APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands and High Cost Designated Counties) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands and High Cost Designated Counties).  APR’s may be different depending upon these factors. Terms subject to change without notice, restrictions and availability apply, not a commitment to lend, borrowers and properties must meet approval guidelines.