Our Mortgage Options
We have a wide range of mortgage options to suit every housing type, budget, and buyer. We offer Full Doc, Non-Conventional, and No Tax return loans.
Conventional Loans
Whether you are just thinking about buying a home or refinancing, or have a specific home in mind, We can help you move the process forward.
Fixed-Rate Mortgage & Adjustable Rate
Whether you are just thinking about buying a home or refinancing, or have a specific home in mind, We can help you move the process forward.
- Loan terms between 10 and 30 years
- Down payments as low as 3% of the purchase price
- Single-family home loans up to $970,800.00 in Los Angeles and Orange County some counties have a lower loan limit
FHA Loans
These are Government back loan programs with more flexible qualification criteria than conventional loans.
- Standard or adjustable-rate loans are available
- Down payments can be as low as 3.5%
- The seller can assist with up to 6% of the purchase price, put towards closing costs
- The funds towards a down payment can be in the form of a gift with no repayment
VA Loans
These loans are specifically for active military, veterans, reservists, or National Guard. They allow for the following criteria:
- Fixed and adjustable-rate terms
- Little to no down payment required
- Fixed loan terms between 15 and 30 years
- Guaranteed by The Department of Veteran’s Affairs
- No PMI (Private Mortgage Insurance) is required. A VA Funding Fee is needed, though
Non-QM Loans
Non-qualified mortgage loans avoid standard agency documentation to qualify such as W2 forms, pay stubs and bank statements. They are best suited to self-employed borrowers. They have the following qualifying features:
- Standard or adjustable-rate loans are available
- Down payments can be as low as 3.5%
- The seller can assist with up to 6% of the purchase price, put towards closing costs
- The funds towards a down payment can be in the form of a gift with no repayment
- Non-QM 24 months business bank statements
- Non-QM VOE Only
- Non-QM P&L only
- Non-QM Stated Income
- Non-QM DSCR
- Loan for foreign nationals
No Doc Loans
These are similar to Non-QM Loans. No Doc Loans are a type of private money loan that does not require standard income verification from the borrower.
- Lenders need not follow ATR (Ability to Repay) guidelines
- Lenders may extend loans to borrowers without W2, pay stub, or tax return
- verification, but usually require a credit check or a real estate appraisal
- These loans are not eligible for VA, FHA, and other government loan programs
- Interest rates are often much higher than conventional mortgages
FHA One
The FHA One Time Close Construction Loan is a secure, government-backed loan program for primary residences.
- The borrower may finance the construction of a one-to-four-unit residence through a
- Construction to Permanent Mortgage although your chosen participating FHA
- lender may restrict construction loans to single-unit residences.
- FICO score requirements may be higher than non-construction FHA loans
- The construction must be carried out by a licensed contractor
- project has been completed and inspected