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Lending By Us

Loan Programs

TYPES OF LOANS

We offer a variety of mortgage loan types...We'll find the right one for you!

FHA
Loans

 FHA insured loan programs

It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.

  • Low down payments

  • Low closing costs

  • Easy credit qualifying

  • Shorter time to qualify after negative credit

  • More lenient on gift funds

  • Low closing costs 

  • More affordable FHA mortgage insurance

  • Lenient FHA debt-to-income ratio

  • Non-occupant co-borrowers accepted

FHA loans are backed by the federal government to help make homeownership accessible to people with either average credit scores and/or limited savings. FHA loans offer low interest rates and predictable payment options. FHA borrowers do not have to worry about their payments varying from month-to-month. Instead, they can plan their payments ahead of time and then focus their concerns on saving money for the future.

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We offer a variety of mortgage loan types to choose from

We’ll help guide
you toward the option that’s best for you.

Mortgage Closing Process - What to Expect

Despite the fact that the process of buying a house from state-to-state is different, there are several fundamental steps that you will need to expect to follow when applying for a Mortgage loan. 

pre-approval

If you’re trying to save money or have issues with your credit score, or want to put as little money down as possible – conventional loans can be a smart choice because they offer flexibility and low monthly payments.

 

 

In addition, there are no prepayment penalties, so you can pay off your loan early if you want to. Conventional loans also have flexible credit requirements, so even if your credit score isn’t perfect, you may still be able to qualify. Whether you’re looking to buy your first home or refinance your current mortgage, California conventional loans can be a great option.

Just be aware of the Private Mortgage Insurance (PMI) if you put down less than 20%.

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