The right home starts with the right loan!

Choosing the one that best fits you is key. We have different options for you to select from, according to your needs:

Conventional Loan

A conventional loan is a mortgage loan that’s not backed by a government agency. While some government-backed loans provide unique benefits to homebuyers, conventional loans remain far and away the most common type of mortgage.

FHA Loan

Federal Housing Administration and Veterans Affairs loans are government supported loans that can help a first time home buyer secure a mortgage. 

VA Loan

VA, or Veteran’s Affairs loan, is a specific loan program authorized by the US Dept. of Veterans’ Affairs to help veterans, active-duty service members and their families purchase a home. This loan option allows military families to qualify for a home loan with fewer restrictions, and little-to-no money down.

CalHFA Loan

The CalHFA FHA program is an FHA-insured loan featuring a CalHFA fixed inter- est rate first mortgage. This loan is fully amortized for a thirty (30) year term and can be combined with either the MyHome Assistance Program (MyHome) or School Teacher and Employee Assistance Program (School Program).

Reverse Mortgage

A reverse mortgage is a type of home equity loan that allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills. Reverse mortgages are typically catered towards older homeowners, but they have also become a great retirement planning tool for many homeowners. This type of mortgage does not need to be repaid until the borrower passes away, sells the home, or permanently moves out.

Hard Money Loan

A hard money loan is simply a short-term loan secured by real estate. They are funded by private investors (or a fund of investors) as opposed to conventional lenders such as banks or credit unions. The terms are usually around 12 months, but the loan term can be extended to longer terms of 2-5 years.

Still not sure which one to choose?

Fill the form below so we can define your best option together: