Loan Programs
Find the right loan program for your needs
At Molina Financial Services, we offer a wide range of loan programs to meet the diverse needs of our clients. Whether you are a first-time homebuyer, a seasoned investor, or looking to refinance, we have a program that fits your goals.
Conventional Fixed & ARMs
Conventional loans are not backed by a government agency and typically require a higher credit score and down payment. Fixed-rate loans offer stable monthly payments, while Adjustable Rate Mortgages (ARMs) may start with a lower rate that adjusts over time.
Bank Statement Programs
Ideal for self-employed borrowers who may not have traditional income documentation. We use 12–24 months of bank statements to verify income, making it easier for business owners and freelancers to qualify.
CalHFA Down Payment Assistance
The California Housing Finance Agency (CalHFA) offers down payment assistance programs to help first-time homebuyers achieve homeownership. These programs provide low-interest loans or grants to cover down payment and closing costs.
FHA Loans
FHA loans are backed by the Federal Housing Administration and are designed for borrowers with lower credit scores or smaller down payments. They require as little as 3.5% down and are a popular choice for first-time buyers.
VA Loans
Available to eligible veterans, active-duty service members, and surviving spouses, VA loans offer competitive interest rates, no down payment requirements, and no private mortgage insurance (PMI).
Jumbo Loans
For properties that exceed conforming loan limits, jumbo loans provide financing for high-value homes. We work with borrowers to secure competitive rates on loan amounts above the standard limits.
ITIN Loans
ITIN loans are available to borrowers who have an Individual Taxpayer Identification Number but may not have a Social Security number. These programs help non-U.S. citizens achieve homeownership.
Commercial Loans
We finance commercial real estate including multi-family units, office buildings, retail spaces, and mixed-use properties. Our commercial loan programs are tailored to meet the needs of real estate investors and business owners.
Ready to Get Started?
Contact us today to discuss which loan program is right for you. Our team is here to guide you through every step of the process.
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