Main Loan Options

Conventional Loans

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Conventional Loans

  • Who It’s For: Borrowers with good credit.
  • Benefits: Low monthly payments, 3% down.
  • Conditions: Interest rates increase with poorer credit.

FHA Loans

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FHA Loans

  • Who It’s For: Borrowers with moderate credit.
  • Benefits: Fewer hurdles, minimize down payment.
  • Conditions: Loan limits often apply.

NEW Construction

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NEW Construction Loans

  • Who It’s For: You’re building a new home.
  • Benefits: Streamlined application & draw process.
  • Conditions: Up to 12 months to complete construction.

USDA Loans

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USDA Loans

  • Who It’s For: Borrowers looking to buy in rural areas.
  • Benefits: 0% down, low monthly payments.
  • Conditions: Homes must be in eligible areas.

VA/CalVet Loans

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VA/CalVet Loans

  • Who It’s For: Eligible US Military Veterans.
  • Benefits: 0% down, flexible underwriting.
  • Conditions: Must live in the home for 5+ years.

CalHFA Loans

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CalHFA Loans

  • Who It’s For: First-time home buyers.
  • Benefits: Low down payment.
  • Conditions: Purchase price, household income.