< Back to all branch locations
admin login JOIN USOUR TEAM PARTNER WITH US

Learn More About Products Available to You

Every story of home buying is unique, so we offer a variety of loans to meet our clients’ needs. We specialize in Conventional, FHA, Fixed Rate and Adjustable Rate Mortgages, VA, HARP 2.0, Jumbo, and Reverse Mortgages.

FHA

• FHA 203K Rehabilitation Loans – Full Consultant and Streamline • FHA Purchase or Refinance to 580 FICO • FHA Escrow Holdbacks allowed • FHA no FICO program • HUD approved Condo’s

Conventional

• 90% CLTV HELOC (80/10/10)* • 95% Lender Paid MI – SFR, PUD & Condo • Fannie Mae Direct Seller • HARP 2.0 Unlimited LTV/CLTV • Open Access Unlimited LTV/CLTV • Freddie Mac Super Conforming Loan Program • Delayed Financing – Cash out before 6 months • FNMA: 5-10 Financed Property guidelines • Non-Occupying Co-Borrowers using LP to 95% • No Overlays on Flips • No Tax Returns Required** • Manufactured Homes • Down payment assistance programs available • 1 Year out of short sale or 2 years out of Bankruptcy and Foreclosure to $1,000,000. *Not available in Nevada ** Need tax return if greater than 25% income bonus or commission, self-employed, or using rental income

Jumbo

• Loan Amounts to $10 Million • ARM and Fixed Rate Investors in-house • Fully Amortizing & Interest Only • In-house Underwriting to $3 million • Asset Depletion • Cross Collateralization • Pledged Assets • Foreign Nationals • Unique Property Types • Non Warrantable condos, co-ops, and condotels • 85% CLTV to $2 million purchase price* • No cap on number of financed properties** • 10% down with no MI * Only available in CA or WA ** Only available in CA

VA Home Loans

• No down payment required • Negotiable interest rate • Adjustable & Fixed Rate mortgages • No monthly mortgage insurance premiums • No penalty for pre-paying loan • VA assistance to veteran borrowers in default due to temporary financial difficulty • VA funding fee can be financed • Reduced funding fees with a 5% or more down payment • Exemption from funding fees for veterans receiving VA compensation