916.371.6300

THE RIGHT LOAN MAKES ALL THE DIFFERENCE

Homeownership is typically the biggest investment one will make in their lifetime, and we take matching you with the right mortgage very seriously. There is no one-size-fits-all home loan, so we find the financing that’s the best fit for you.

Below are some of our most popular loan programs. However, there’s no substitue for a quick conversation to answer your questions and determine which would indeed be the mortgage that makes the most sense for you.

LET’S TALK

FIXED LOAN
RATES

  • 30-, 25-, 20-,15- and 10-year terms are all available at a fixed rate.
  • Buy a home with as little as 5% down (primary residence).
  • Refinance up to 95% of your primary home’s value.
  • Monthly payments remain the same for the entire loan term.

ADJUSTABLE RATE
LOANS

  • 3/1, 5/1, and 7/1 ARM’s. Monthly payments based on a 30 year repayment schedule.
  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

FHA
LOANS

  • 3.50% minimum down payment required on purchase.
  • Minimum credit score usually 620.
  • Post-bankruptcy qualifying – 2 years after.
  • Post-foreclosure qualifying – 3 years after.

VA
LOANS

  • Post-foreclosure qualifying – 3 years after.
  • Sellers can pay up to 6 percent of closing costs and concessions.
  • Higher allowable debt-to-income ratios than for many other loans.
  • Higher allowable debt-to-income ratios than for many other loans.

Reverse Mortgage

Access Your Home's
Equity

  • Turn your home equity into cash while still living in your home.

No Monthly Mortgage
Payments

  • Borrowers are not required to make monthly mortgage payments; repayment happens when the home is sold or ownership changes.

Stay in Your
Home

  • Continue living in and owning your home as long as it remains your primary residence.

Flexible Payout
Options

  • Receive funds as a lump sum, line of credit, or monthly payments—whatever works best for you.

Supplement Retirement
Income

  • A great way to enhance your financial security during retirement.

Federally Insured
Options

  • Many reverse mortgages are backed by the Federal Housing Administration (FHA), providing added security.

No Impact on Social Security
or Medicare

  • Funds from a reverse mortgage typically do not affect these benefits.

Age-Friendly
Program

  • Designed for homeowners 62 and older to provide financial flexibility later in life.

Hard Money Loans

Fast Funding

  • Quick approval and funding, often within days, making it ideal for time-sensitive opportunities.

Flexible
Qualification

  • Based on property value, not just credit scores or income, offering options for borrowers with unique financial situation.

Short-Term Solution

  • Perfect for bridge loans, fix-and-flip projects, or other short-term real estate investment.

Property Types

  • Can be used for residential, commercial, or multi-family properties, providing versatile funding option.

Asset-Based
Lending

  • Loan amounts are determined by the property’s value, not solely your financial profil.

Minimal Paperwork

  • Streamlined application process with fewer documentation requirements than traditional loan.

Bridge Loan
Alternative

  • Excellent for borrowers who need quick capital while waiting for long-term financing to finaliz.

Investment
Friendly

  • Ideal for real estate investors looking to acquire or renovate properties.

ARE YOU READY TO GET STARTED ON A REFINANCE OR PURCHASE LOAN?

GET APPROVED NOW!