Home Loan Options

Excellent Home Loan Options and Financing Programs in Redding, CA

Loan Guide Book

Find The Loan That Is Appropriate For You.

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 to come in for a free consultation to discuss your situation and goals so that we can get you set up with an appropriate loan.

Conventional Loans

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Conventional Loans

  • Who It’s For: Borrowers with good credit.
  • Benefits: Low monthly payments, 3% down.
  • Limitations: 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.
  • Limitations: Loan limits often apply.

FHA 203(K) Streamline

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FHA 203(K) Streamline

  • Who It’s For: Homebuyers wanting to remodel.
  • Benefits: Finance additional $ for remodeling.
  • Limitations: Remodel must be done in 6 months.

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.
  • Limitations: 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.
  • Limitations: Must stay in home for 5+ years.

CalHFA Loans

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CalHFA Loans

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

Still not sure which option is right for you?

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