.jpg)
Loan Options for Every Buyer
Whether you're buying your first home, refinancing, investing, or self-employed — we have a loan program built for your situation.
Book a CallFirst-Time Home Buyer Loans
Low down payment options designed for buyers purchasing their first home.
- Down payments as low as 3%
- Down payment assistance programs available
- Educational support throughout the process
- Flexible credit requirements
- Special rate programs for first-time buyers
FHA Loans
Flexible credit guidelines and lower down payments that help many buyers qualify.
- Down payments as low as 3.5%
- Credit scores as low as 580
- Government-backed security
- Competitive interest rates
- Available for primary residences
Conventional Loans
Competitive rates and strong options for buyers with solid credit profiles.
- Down payments from 3–20%
- No upfront mortgage insurance with 20% down
- Loan amounts up to conforming limits
- Fixed and adjustable rate options
- Best rates for 740+ credit scores
Self-Employed / Bank Statement Loans
Mortgage solutions designed for business owners, freelancers, and 1099 income borrowers.
- Qualify using 12–24 months of bank statements
- No tax returns required
- Personal or business bank statements accepted
- Ideal for entrepreneurs and contractors
- Competitive rates for strong deposit history
Real Estate Investor Loans
Financing for rental properties and investment real estate.
- DSCR loans — qualify on rental income
- No personal income verification required
- Single-family and multi-unit properties
- Short-term rental (Airbnb/VRBO) eligible
- Portfolio and blanket loan options
VA Loans
Zero down payment mortgage options exclusively for veterans, active-duty service members, and surviving spouses.
- $0 down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
- Available for eligible veterans and active duty
Not Sure Which Loan Is Right for You?
Our loan officers will review your situation and recommend the best program — no obligation, no pressure.
NMLS #2269316 · Licensed in California · Equal Housing Lender