Loans Offered

Conventional

No-Doc Investment Programs

Conventional

Fixed or Adjustable rates
Low down payment options
Faster turn around times
Great option for clients with good to excellent credit.

CalHFA Loans

No-Doc Investment Programs

Conventional

Conventional First Mortgage loan
Shared Appreciation Loan for down payment or closing costs
30-year term with a fixed interest rate Shared Appreciation
Homebuyer does not make payments until they sell, refinance, or transfer the property

No-Doc Investment Programs

No-Doc Investment Programs

No-Doc Investment Programs

No Tax Returns required
Competitive interest rates
Income determined by actual rents
Good for Developers, Investors, or Flippers

VA

Jumbo

No-Doc Investment Programs

Up to 100 Percent LTV financing
Low interest rates and fast closings for most veterans
Higher Debt-Ratios allowed
VA IRRRLs (Interest Rate Reduction Refinance Loans) are available

FHA

Jumbo

Jumbo

Low down payment options
Easier Credit score requirements
Competitive rates
Gift Funds allowed for down payment and closing costs

Jumbo

Jumbo

Jumbo

Low down payment options
Higher Debt-Ratios allowed
Higher loan limits
Streamline Processing

Bank Statement Programs

Bank Statement Programs

Bank Statement Programs

3 month to 24 month programs
Personal or Business bank account statements allowed
Good for self-employed borrowers

Commercial

Bank Statement Programs

Bank Statement Programs

Multifamily, mobile home parks, Storage facilities, Mixed use, Industrial, and Office buildings
Owner user/Investor properties
SBA Loans available

ITIN Loans

Bank Statement Programs

ITIN Loans

12 months of Income Documentation is all we need.
Alternative income documentation available.
600 min FICO or No Credit Score