100 % Financing with down payment assistance

Residential Loan Programs

Conventional

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The standard among loan programs. Offered in 30, 25, 20, 15 and 10 year amortization periods. Fixed rate and ARM (Adjustable Rate Mortgage).  As little as 3% down. Available high balance loan program in designated high-cost areas.

Jumbo

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For loan amounts above and beyond the conforming loan limits. Purchase with as little as 10% down. We offer very competitive pricing on Jumbo Financing.

FHA

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A very common FTHB (first time homebuyer) loan program, but not required to be a FTHB to use. They allow for lower credit scores (as low as 580 mid scores). 3.5% down minimum.

VA

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An excellent option if you have VA Eligibility. 100% financing and no monthly mortgage insurance.

USDA

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Rural financing with no money down. Certain restrictions apply and is income limited by area.

CALHFA

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Little or no money down. Rates may be higher than loans with down payments, but a viable option to get into the market.

3% Down Conventional