Loan Programs

A large variety of mortgage loans are offered to meet your needs whether it is for a starter home, a second home, a duplex, or an upscale luxury home that requires portfolio jumbo financing. Traditional income and employment documentation and low doc programs are available to qualified borrowers:

Low Down Payment Choices - 0 down, 3%, 5%, and 10 percent down home loan programs

Jumbo Loans  – Loans from $483,351 to $5,000,000 . Up to $20 million for loans on California homes.

Bank Statement Loan Programs to $5 million – for Self-Employed borrowers ONLY

Non-QM Mortgage Loans   – for Investors, Fix & Flips, Non-owner HELOCs, own 10 properties or more, No Job, Qualify with liquid assets, etc.

2 to 4 Units – Purchase and Refinance mortgage for a Duplex, Triplex, and Fourplexes.
Check the FHA 2021 loan limits for 2-4 units in California.

Condo Loans – Mortgage financing for Condos (High-rise, detached, and Non-warrantable), Condotels.

1 Year Tax Return Mortgage - Excellent mortgage for self-employed & W2 salaried borrowers. See if you qualify.

No Income Verification / Low Doc – Can’t document your Income using tax returns? Use 2 bank statements (30% down payment or refinance with 30% equity)

Short term Bridge loans for a home purchase – Need the funds from your home as a down payment but need to buy the home now? Get a bridge loan for 6 or 12 month.

Investor Lite Doc Loan – No job and No income disclosed. Qualify with Property Income and credit history.

FHA Streamline Refinance – Refinance with little cost – no income or job documentation

Zero Down Loans – up to 100% financing on 1 to 4 Units (Still Available!! Not Only  VA loans)

Vacation Home Mortgage - Paid all cash? refinance now or buy with 10% down. See if you qualify.

Foreign Nationals   various programs – for primary residence, vacation or a rental home. For Permanent Residents or Non-residents with or without a VISA.

FHA Rehab Loans – Purchase and fix-up the property with loan proceeds

Own an investment property for rental income – Homes, condos, or units.

No Closing Cost Home Loans – Pay Zero Closing Costs, Zero Points and a Low Rate

Cash Out Refinance  - Take some cash out of your home. You earned it!

Debt Consolidation – Consolidate your existing debts into a new refinance loan

Less than Perfect Credit with low credit scores, late payments? look into a low credit loan

Fixed Rate vs. Adjustable Rate Mortgages


Commercial Financing
  • Apartment Building Loans - for 5 or more residential units up to 80% LTV based on the property's income and expenses.
  • Commercial Property - for office, industrial, self-storage, medical, hotel, motels, land lots, warehouse and more
  • Business Loans - lines of credit, medical practices, invoice advances, and working capital.