Every Loan Type. Every Borrower. Every Dream.
From first-time buyers to seasoned investors, we have a loan program designed for your unique situation. Licensed California mortgage broker — NMLS#308190.
Browse All Loan Programs
Filter by category or browse all 18 programs below.
Conventional Loan
Traditional financing with competitive rates for borrowers with strong credit. Down payments as low as 3% for qualified buyers.
- Down payment from 3%
- Competitive interest rates
- No upfront mortgage insurance with 20% down
- Flexible term options: 10, 15, 20, 30 years
FHA Loan
Government-backed loan with flexible credit requirements and low down payments — ideal for first-time homebuyers.
- Down payment as low as 3.5%
- Credit scores from 580+
- Higher debt-to-income ratios allowed
- Gift funds accepted for down payment
VA Loan
Exclusive benefit for veterans, active-duty service members, and eligible surviving spouses. Zero down payment required.
- 0% down payment
- No private mortgage insurance (PMI)
- Competitive VA interest rates
- Available for purchase and refinance
USDA Loan
100% financing for eligible rural and suburban properties. No down payment required for qualifying borrowers.
- 0% down payment
- Low mortgage insurance rates
- Competitive fixed interest rates
- Must meet USDA income and area eligibility
Jumbo Loan
Financing above conventional loan limits for luxury and high-value California properties.
- Loan amounts above conforming limits
- Primary, second home, and investment
- Competitive jumbo rates
- Various term options available
Refinance
Reduce your monthly payment, lower your interest rate, or change your loan term with a rate-and-term refinance.
- Lower your interest rate
- Reduce monthly payments
- Shorten or extend loan term
- Conventional, FHA, and VA options
VA / IRRRL
Interest Rate Reduction Refinance Loan — the fastest way for veterans to lower their VA loan rate with minimal paperwork.
- No appraisal required in most cases
- Minimal documentation needed
- Lower your VA interest rate
- Reduce monthly mortgage payment
Cash-Out Refinance
Tap into your home's equity for home improvements, debt consolidation, investments, or any financial goal.
- Access built-up home equity
- Consolidate high-interest debt
- Fund home improvements
- Available for conventional, FHA, and VA
HELOC
Home Equity Line of Credit — a revolving credit line secured by your home equity, draw as needed.
- Revolving credit line
- Draw funds as needed
- Interest only on what you use
- Flexible repayment options
HELOAN
Home Equity Loan — receive a lump sum secured by your home equity with a fixed rate and predictable payments.
- Fixed interest rate
- Predictable monthly payments
- Lump sum disbursement
- Use for any purpose
Construction Loan
Finance the construction of a new home from the ground up, with draws released as construction progresses.
- Finance land and construction
- Interest-only during construction
- Converts to permanent mortgage
- Custom home builds
DSCR Loan
Debt Service Coverage Ratio loan — qualify based on rental income, not personal income. Perfect for real estate investors.
- No personal income verification
- Qualify on rental income
- Short-term and long-term rentals
- Multiple properties allowed
Bank Statement Loan
Qualify using 12–24 months of bank statements instead of tax returns — designed for self-employed borrowers.
- 12 or 24 months bank statements
- No tax returns required
- Personal or business accounts
- Competitive rates for self-employed
Asset Depletion Loan
Use your liquid assets to qualify for a mortgage — ideal for retirees or high-net-worth borrowers with significant savings.
- Qualify using liquid assets
- No employment income required
- Retirement accounts accepted
- Ideal for retirees and investors
Reverse Mortgage / HECM
Convert your home equity into tax-free income. No monthly mortgage payments required for eligible homeowners 62 and older.
- No monthly mortgage payments
- Stay in your home
- Tax-free proceeds
- FHA-insured HECM program
Hard Money Loan
Asset-based short-term financing for fix-and-flip investors, bridge situations, or time-sensitive purchases.
- Fast approval and funding
- Asset-based underwriting
- Fix-and-flip financing
- Bridge loan solutions
Bridge Loan
Short-term financing to bridge the gap between buying a new home and selling your current one.
- Buy before you sell
- Short-term solution
- Fast closing available
- Flexible repayment
Commercial RE Loan
Financing for commercial real estate including office, retail, industrial, and mixed-use properties.
- Office, retail, industrial
- Mixed-use properties
- Competitive commercial rates
- Various term structures
Not Sure Which Loan Is Right for You?
Call or book a free consultation — we'll match you with the perfect program for your situation.