Home Loan Options

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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