Home Loans -
For You

We have loans available for a variety of properties and purposes. We utilize dozens of residential lenders to guarantee YOU the best loan for your needs.

All loans are NOT created equal

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The loan program that best suits your needs and qualifications will be determined by us after mutual discussion melding your needs and investor guidelines.

What is best for me may not be best for you.

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One thing is for sure:

We ALL want THE best rate

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Having said that, even more important is that we get your loan approved. A good

loan approval is more critical than the rate.  A super low rate does you no good unless your loan is approved.

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My goal is what is best for YOU

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Why?

Because it is YOUR loan.

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Residential properties are 1-4 units. That can be your primary residence, an investment property or a vacation home.

Conventional financing through FannieMae or FreddieMac might be best for you. Loans with as little as 3% down payment are allowed and gifts for the down payment may be allowed.

If you have very little equity or down payment or if you have some credit concerns, then FHA, VA, or USDA Rural financing might work better for you.

Down Payment Assistance programs are available for First Time Buyers. Please note that most of these funds are income restricted. 

Prior bankruptcy, foreclosure or short sale might also mandate FHA or VA financing.

VA offers ZERO DOWN loans to over $1M! (Owner occupied loans only on VA please)

Significant high risk factors for the various Agencies might mandate private money financing at less favorable terms.

USDA Rural Guarantee offers no down payment loans for those buying in smaller towns away from Metro Areas. Income restrictions apply.

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As a licensed CA. mortgage brokerage, we have access to all loan options.

 

The Bottom Line:

We don't know what is best for YOU until we talk.

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