Compare Loans

Fixed Rate Loans

  • 30- & 15-year terms are all available with fixed rate.

  • Buy a home with as little as 5% down (primary home).

  • 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 30 Year Fixed Program

  • 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 30 Year Fixed Program

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.


  • FHA / VA Energy Efficient Mortgage (EEM) Program

  • up to 5% of the purchase price of your home can be used for Energy Efficient Improvements

  • VA Financing under this program allows up to $6,000.00 for Energy Efficiency Improvements

  • No additional credit qualifying required.

CalHFA / My Home / Zip

  • ability to lend 100% of the property purchase price

  • maximum of 4% of the loan amount for closing costs

  • home buyer has an option to finance up to 104% of the purchase price

Reverse Mortgages

  • Fixed Rate or Adjustable options

  • Monthly payment is not required

  • Lifetime Monthly Income is an option

  • Line of Credit option provides a “safety net” for the unexpected

ITIN Financing

ITIN or Individual Tax Identification Number is a program that allows borrowers with non residency status the ability to purchase a home as long as they have a valid ITIN and credit score. Contact us for more information.

Jumbo Financing

Our new Jumbo program allows you to borrow up to $1,500,000.00 without the headaches, long delays and strict conditions your local banks require.