Types of loans
So many choices…We’ll find the right one for you!
Go Big AND Go Home
Jumbo loans are for buyers moving into a home that exceeds the purchase limit of conforming loans. Jumbo loans usually carry a higher interest rate due to their higher limits.Get a rate quote >
Lending Beyond The Bank
Conforming loans are offered according to guidelines established by Fannie Mae and Freddie Mac. These have universal appeal because they are typically better-priced loans with lower interest rates. Most lenders offer conforming loan options that appeal to a wide variety of borrowers.Get a rate quote >
NON-QUALIFIED (NON-QM) LOANS
Savior For The Self-Employed
L.A. freelancers, this one’s for you! This loan is ideal for self-employed borrowers who do not show a lot of income on their tax returns or others in unique circumstances. Borrowers must still prove their Ability to Repay (ATR) the loans, but lenders will accept “alternative” documentation such as 12 to 24 months of bank statements showing cash flow, or liquid assets.Get a rate quote >
Hello First-Time Buyers!
Dip a toe in. Perfect for first-time home buyers, these loans have lenient lending guidelines and work well for borrowers who have very little down payment or less-than-perfect credit. Had a recent bankruptcy or foreclosure? An FHA will help you obtain a home loan earlier than applying for conventional financing.Get a rate quote >
VETERANS (VA) LOAN
Look forward to coming home
The VA loan is designed specifically for veterans and active-duty service members, offering low down payment options, flexible credit requirements and payment plans. Available for both purchase or refinance purposes.Get a rate quote >
HOME EQUITY LINE OF CREDIT (HELOC)
Tap Into Your Equity
Homeowners can borrow on the equity in their home with a home equity line of credit (HELOC), which works similar to a credit card but is secured by a second trust deed on your property. HELOCs can also be used as a "piggyback" loan during purchase to attain a higher loan-to-value (less down payment).Get a rate quote >
If You Like Options
An interest-only mortgage gives homeowners the option of paying only the interest on the loans for a designated period of time, typically the first ten years. After that the balance of the loan is amortized over the remaining term, usually 20 years. Interest-only mortgages can be offered on a fixed or adjustable basis.Get a rate quote >
Rest Easy Into Retirement
Reverse mortgages free individuals from meeting the requirements of traditional home loans. Specifically designed to give seniors more options, these loans allow homeowners to remain in their home while drawing on their home equity to travel, purchase a new car or take the grandkids on more adventures. There are no monthly mortgage payments and no constraints on how the money is used.Get a rate quote >
FIXED RATE LOAN
No Risky Business Here
Fixed rate loans have no risk of the interest rate increasing over the life of the loan. These loans are offered in terms ranging from ten to 40 years. The interest rate and payment remain fixed for the entire term of the loan, regardless of principal reduction, and are amortized to be paid off at the end of the term. A 30-year fixed mortgage is the most common.Get a rate quote >
ADJUSTABLE RATE MORTGAGE (ARM)
For The Wandering Souls
Adjustable rate mortgages (ARM’s) have interest rates that may increase or decrease during the life of the loan. An ARM provides long-term flexibility with a fixed rate at the beginning, and after the initial time period, adjusts to market conditions. ARM interest rates are based on a variable index added to a fixed margin.Get a rate quote >
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