Programs

We offer a wide array of loan programs that few other lenders are able to provide. As your trusted lender, I understand that the mortgage process needs to be smooth and easy when buying in today’s market. My exceptional customer service, coupled with the right loan program, will make buying your home a worry-free experience.

Conventional Purchase

  • Only 3% down*
  • Available with lender paid mortgage insurance

FHA Purchase

  • Scores as low as 580*
  • 3.5% down payment required

USDA Purchase 

  • 100% financing
  • 30 year fixed and flexible credit guidelines

VA Purchase

  • 100% financing for qualified Veterans
  • No monthly mortgage insurance

CalHFA Conventional Loan Program

  • First mortgage loan insured through private mortgage  insurance on the conventional market
  • Interest rate is fixed throughout the 30-year term

CalPLUS Conventional Loan Program 

  • First mortgage with slightly higher fixed rate than CalHFA Conventional program
  • Combined with CalHFA Zero Interest Program for closing costs

CalHFA FHA Loan Program 

  • FHA-insured loan featuring CalHFA fixed interest rate first mortgage
  • Loan is fully amortized for a 30-year term

CalPLUS FHA Loan Program 

  • FHA-insured first mortgage with slightly higher fixed rate than CalHFA FHA program
  • Combined with CalHFA Zero Interest Program for closing costs

Cal-EEM + Grant Program

  • Combines an FHA-insured Energy Efficient Mortgage first mortgage loan with an additional Cal-EEM Grant
  • Makes eneergy efficient improvements easier

Down Payment Assistance Programs: 

Other Loan Programs Available:

Other Partnership & Program Options:

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