Home Loan Options

Excellent Home Loan Options and Financing Programs in Redding, CA

Which Loan Type is right For You.

We can help you find the right loan. 

An important part of the loan process is to find the loan that is a fit for you. There are lots of different home loan options that you can qualify for depending on your income, credit score, and a variety of other factors. Below you can find information about each loan to help determine which loans will work for your situation.

We encourage you give us a call for a free consultation to discuss your situation and goals. We can get you set up with an appropriate loan.

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.

Not sure which loan option is right for you?

WE CAN HELP

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