Loan Products

Refinance

Purchase

First Time Buyers

Second Mortgages

Debt Consolidation

Construction Loans

Zero Down Loans

VA Loans

Reverse Mortgages

CalHFA California first Time Homebuyer program

Commercial Financing

Loan Programs

Full Doc

A Full doc loan is one that requires that the borrower present all necessary documents, including income verification to qualify for a home loan.

State Income

Stated income home loans allow those who are self employed or do not have documentation of earned wages to state a wage on the mortgage application and qualify for a mortgage based on that stated income.

Fixed Rate Mortgage

A fixed rate mortgage is a mortgage in which the monthly payments stay stable (never change) throughout the life of the loan.

Adjustable Rate Mortgage

Semi Fixed Mortgages are generally fixed for 3, 5, 7, or 10 years. After the initial fixed period the mortgage adjusts annually based on market conditions

Reverse Mortgage

A special type of home equity loan for persons 62 and older. Reverse mortgages allow owners to convert some of the equity in their homes to cash. The loan does not usually have to be repaid during the homeowner's lifetime. Loan advances are not taxable and do not affect the homeowner's Social Security or Medicare benefits. The money from a reverse mortgage can be used for anything from daily living expenses to home repairs and home modifications.

100% Financing

The 100$ financing loan is designed to offer home ownership opportunities to borrower with good credit but who lack the ability or desire to make a down payment on the home. It provides an option for those who wish to invest their savings in assets other then their home.

Second Mortgage Loans

Subordinate to the first mortgage, these loans offer the borrower the ability to get money for home improvement, debt consolidation, or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage.

0% down payment required and closing costs can be financed up to 103% of the purchase price. Only single-family homes that will be owner-occupied are eligible. First time homebuyer status not required and there are no income limits.

Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person.

Building a new home can be an exciting prospect - unless you get caught up in a construction loan approval process that is overly complicated and time consuming. With this loan, we will finance up to 90% of the cost of land plus the costs of construction. We offer a one-time fixed rate closing or traditional ARM products.

This is a loan which allows borrowers to buy their new dream home NOW!....and have 12 months to sell their old home. It requires the transfer of equity from the old home to the new home by using the equity as a down payment on the new home. The borrower is qualified using only the purchase payment and there are no out-of-pocket payments on the old home for up to 9 months. The "sale contingency" clause must be removed.