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Our Mortgage Services

Our Services

Flexible, adaptable, and adjustable plans to fit your needs

We offer a range of personalized mortgage services to meet your unique needs. From first-time homebuyer assistance to refinancing options, our team is here to help you achieve your homeownership goals with ease and confidence.
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Turning Dreams Into Keys

Helping people secure the best mortgage options to open the doors to their dream homes.

What We Offer

Mortgage Loan Options

Explore a variety of mortgage loan options designed to fit your unique needs and financial goals.

CONVENTIONAL MORTGAGE LOANS

  • Conventional loans are not insured by a government agency
  • Require a minimum 3% down payment
  • There are a variety of fixed and adjustable rate conventional loans to choose from
  • Generally carry strict guidelines on credit scores, loan to value ratios, debt to income and down payments
  • Interest rate varies based on credit score and loan term
  • Offers 10, 15, 20, 25, 30 and 40 year repayment terms

FHA MORTGAGE LOANS

  • Great for first-time buyers and buyers with lower credit scores
  • FHA loans are not restricted to first-time home buyers or low-income buyers
  • Easier requirements for income and credit score
  • Minimum down payment 3.5% and lower closing costs
  • Mortgage Insurance may be less costly than private mortgage insurance (PMI)
  • Seller can contribute up to 6% of selling price to cover closing costs

USDA MORTGAGE LOAN

  • Special financing in USDA defined areas
  • Flexible credit guidelines and qualifying criteria
  • Lower than market interest rate
  • No down payment required
  • Closing costs can be seller-paid or rolled into the loan
  • Ability to finance upfront PMI

USDA MORTGAGE LOAN

  • Special financing in USDA defined areas
  • Flexible credit guidelines and qualifying criteria
  • Lower than market interest rate
  • No down payment required
  • Closing costs can be seller-paid or rolled into the loan
  • Ability to finance upfront PMI

VA MORTGAGE LOAN

  • Eligible for Veterans who have or are actively serving in the military and surviving spouses of Veterans
  • Qualify with suitable credit, adequate income and valid Certificate of Eligibility
  • Borrow up to 100% with no money down and no mortgage insurance requirement
  • Veterans can refinance through the IRRRL (streamline refinance)
  • Can include cost of remodeling up to 103.15% appraised value
  • Offers 10, 15, 20, 25, 30 and 40 year repayment terms

VA MORTGAGE LOAN

  • Eligible for Veterans who have or are actively serving in the military and surviving spouses of Veterans
  • Qualify with suitable credit, adequate income and valid Certificate of Eligibility
  • Borrow up to 100% with no money down and no mortgage insurance requirement
  • Veterans can refinance through the IRRRL (streamline refinance)
  • Can include cost of remodeling up to 103.15% appraised value
  • Offers 10, 15, 20, 25, 30 and 40 year repayment terms

JUMBO MORTGAGE LOAN

  • Financing for high-priced and luxury homes
  • Good option for self-employed buyers
  • Available for primary residences, second homes and investment properties
  • Flexible down payment minimum of 5% on loans up to $2 million
  • Mortgage insurance is not required
  • Jumbo cash out refinances up to 95% loan to value with no mortgage insurance

REVERSE MORTGAGE LOAN

  • Borrower remains the owner of the home
  • Can stay in your home without ever making another monthly mortgage payment
  • With a Reverse Mortgage, the borrower receives funds payable when the last borrower leaves
  • Borrowers must occupy the property as their principal residence
  • Protection against a declining housing market

Providing the Best Future for Your Best Living

Building a brighter tomorrow with tailored mortgage solutions that pave the way for your dream home today, securing your future with ease and confidence.
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Low rates and affordable monthly payments

Home Purchase

Buying a home is a big step, and we make it easy for you. We help you find the right mortgage with low rates and favorable terms. Whether you're a first-time buyer or moving to a new home, we're here to guide you every step of the way.

Refinance

Looking for lower monthly payments or a better interest rate? Refinancing your mortgage can help you reduce costs, shorten your loan term, or access cash from your home equity. We make the process simple and stress-free.

Loan Options

We offer a range of mortgage options to fit your unique needs, whether you're buying your first home, refinancing, or need a specialized loan for your dream property. Whatever your situation, we have the perfect solution for you.

Why Choose Us

Your Home, Your Future, Our Commitment

We offer personalized mortgage solutions with a commitment to transparency, trust, and exceptional customer service. With our expert guidance and flexible loan options, we help you achieve your homeownership goals with confidence.

Remodel / Renovation

Lifestyle Upgrades

New Start-Up Business

New Baby on board / Adoption expense

Debt Consolidation

Education expense

significant Home damage

When she says 'yes'

F. A. Q's

Frequently Asked Questions

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Your trusted partner in mortgage solutions, dedicated to helping you achieve your homeownership goals.

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(916) 693-4170

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