Conventional Loans

A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), Farmers Home Administration (aka, USDA) and Department of Veterans Affairs (VA).

• 3 or 5% minimum down payment
• Good credit
• No upfront fee
• No private mortgage insurance (PMI) with 20% down
• PMI removed at 78% LTV (primary home)

FHA Loans

An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans in Santa Clarita, CA and beyond are designed for low-to-moderate income borrowers who are unable to make a large down payment.

• 3.5% minimum down payment
• Easier to Qualify, more flexible for lower credit scores
• Monthly mortgage insurance
  Upfront fee to FHA is 1.75% of loan, rolled into loan 

VA Loans

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

• 0% down payment
• Must meet VA enlistment qualifications for program
  Upfront fee to VA is 0.00% of Loan, rolled into loan (VA waives for certain military status/disability ratings)
• No monthly mortgage insurance

DPA Loans

DPA Loans, or Down Payment Assistance Loans, are financial products aimed at aiding homebuyers with their down payment requirements by providing various assistance options at both the national and state levels. Ask us about our Down Payment Assistance Loans in Palmdale, CA and how we can help.

• National (Chenoa, Essex, PATH)
• State DPAs
• Grants, Community 2nds
  

First-Time Homebuyer

Are you a first-time homebuyer in California? If so, there are many first-time homebuyer programs and grants available to help you afford your first real estate purchase, generally assisting with the down payment and closing costs.

• 3.5% minimum down payment
• Easier to Qualify, more flexible for lower credit scores
• Monthly mortgage insurance

Reverse Mortgage

A Reverse Mortgage is tailored to provide financial flexibility for homeowners in their retirement years. In contrast to conventional mortgages that involve monthly payments to decrease the loan balance, a Reverse Mortgage operates differently. Rather than making regular payments, the loan balance increases over time as interest accrues, thus alleviating the obligation for mandatory monthly payments.

• HECM Purchase and Refinance

Manufactured Homes

Manufactured Home loans are specialized mortgage products tailored to financing mobile or manufactured homes. These loans offer flexible options for homebuyers looking to purchase either single-wides or multi-wides, providing financing solutions for homes built after 1976. Ask us about our options in Valencia or Lancaster, CA to see if they're right for you!

• Single-wides & Multi-wides*
• Built after 1976
• Conventional, FHA, VA, and USDA

Specialty Loans & More

Non-conventional loans and alternative financial products offer diverse solutions to meet unique borrowing needs beyond traditional mortgage offerings. These innovative products cater to individuals who may not qualify for conventional financing or who seek specialized loan structures.

• Doctor Loans (up to 100%, No MI)
• 2nd Home and Investment Properties
• Bridge Loans*
• Cross-Collateralization*
• And so much more!