Residential Loan Programs
Conventional
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
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
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
An excellent option if you have VA Eligibility. 100% financing and no monthly mortgage insurance.
USDA
Rural financing with no money down. Certain restrictions apply and is income limited by area.
CALHFA
Little or no money down. Rates may be higher than loans with down payments, but a viable option to get into the market.