We're pleased to offer a variety of financing programs designed to meet the special needs of California's home buyers. We offer loan options to cover all of your real estate finance needs. Our Loan Team provides expert guidance as you determine which program works best for your unique situation, from FHA financing for first-time buyers to refinancing for seasoned home owners.
Select a loan program from below to view more information:
So that you understand the process of securing a loan, we have illustrated the major steps involved in the loan process.
FHA loans are a great option for affordable financing because of their low down payment requirements and flexible qualification terms.
FHA loans are insured by the U.S. Government and are geared toward making home ownership within reach for low to moderate-income individuals and families. The Federal Housing Administration places limits to the maximum amount that can be borrowed under FHA financing. In the past, these limits were below the average price of homes for many housing markets. Currently, average home prices are now within FHA loan limits, making this government-insured program a popular choice in today's market.
1. Buy a home with no down payment
2. Get up to $417,000 in financing
3. Lock in great low rates
4. Refinance to lower monthly payments
5. Get cash for purchases and remodeling
When applying for a VA loan, the first step is to request your Certificate of Eligibility by filling out VA Form 26-1880 - we can help with this process. Veterans, active duty, guard or reserve, and military spouses potentially qualify for this certificate.
• Want to reduce monthly payments?
• Pay off your home faster?
• Use your equity for remodeling or college tuition?
We make refinancing easy no matter what your goal. Whether it's switching from an adjustable to a fixed rate loan , Lowering payments, Getting cash out of your home equity, Consolidating debts, or consolidating a first and second mortgage.