Every borrower is different, which is why we offer a full range of loan programs. Whether you're a first-time buyer, a veteran, or looking to refinance, we have the perfect solution for you.
VA Loans
If you've served your country, you've earned exceptional lending benefits. VA loans offer 100% financing with no down payment and no mortgage insurance—a true benefit for our nation's heroes.
Who Qualifies
Active-duty service members, veterans, and eligible surviving spouses with a valid Certificate of Eligibility (COE).
Key Benefits
• 100% financing (no down payment)
• No PMI required
• Competitive rates
• Flexible credit requirements
• Limited closing costs
Typical Timeline: 15-21 days to close
Apply for VA LoanFHA Loans
First-time homebuyer? FHA loans are designed for you. With a minimum down payment of just 3.5%, flexible credit requirements, and lower interest rates, FHA financing makes homeownership accessible.
Who Qualifies
First-time homebuyers, repeat buyers, borrowers with lower credit scores (580+), and those with limited down payment savings.
Key Benefits
• Low down payment (3.5%)
• More flexible credit requirements
• Lower interest rates
• Gift funds allowed
• More forgiving debt ratios
Typical Timeline: 17-23 days to close
Apply for FHA LoanConventional Loans
The traditional choice for buyers with strong credit and a solid down payment. Conventional loans offer competitive rates and flexible terms without government backing.
Who Qualifies
Borrowers with credit scores of 620+, stable income, manageable debt, and 3-20% down payment available.
Key Benefits
• Competitive interest rates
• Down payment options (3-20%+)
• Faster processing
• PMI can be removed
• More flexibility on loan terms
Typical Timeline: 14-21 days to close
Apply for Conventional LoanJumbo Loans
Buying luxury property in Southern California? Jumbo loans finance homes above conventional lending limits. Perfect for high-value properties in premium SoCal neighborhoods.
Loan Amounts
Financing available for loan amounts exceeding conventional limits, typically $766,550 and above in Southern California.
Key Benefits
• High loan amounts
• Competitive rates
• Flexible terms
• Quick processing
• Local expertise in luxury market
Typical Timeline: 17-24 days to close
Apply for Jumbo LoanCommercial Loans
Growing your real estate portfolio? Commercial loans finance investment properties and commercial buildings. Tailored solutions for business-minded investors.
Property Types
Multi-unit properties, apartment buildings, office buildings, retail spaces, mixed-use properties, and investment homes.
Key Benefits
• Investment-focused terms
• Flexible qualification
• Portfolio loans available
• DSCR (Debt Service Coverage Ratio) options
• Quick underwriting
Typical Timeline: 21-30 days to close
Apply for Commercial LoanRefinancing
Own a home? Refinancing could save you thousands. Whether you want a lower rate, cash to invest, or to switch loan types, we have the right refinance option for you.
Refinance Types
• Rate-and-Term: Lower your interest rate or change terms
• Cash-Out: Access your equity
• FHA Streamline: Fast FHA refinance
• VA IRRRL: VA-specific refinance
Typical Savings
Many clients save $100-$300+ monthly by refinancing. Even a small interest rate reduction can equal significant long-term savings.
Typical Timeline: 12-18 days to close (streamline options faster)
Apply for RefinanceNon-QM Loans
Unique financial situation? Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don't fit traditional lending boxes. Self-employed? Freelancer? We can work with you.
Who Qualifies
Self-employed borrowers, independent contractors, business owners, freelancers, and those with non-traditional income sources.
Income Documentation
• Bank statements
• Tax returns
• Profit & loss statements
• Business licenses
• Investment income
Typical Timeline: 18-24 days to close
Apply for Non-QM LoanNot Sure Which Loan is Right for You?
Let's talk through your options. Schedule a free consultation with Jeremiah to find the perfect loan program for your situation.
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