Conventional Fixed Rate Loans

  • It ensures a consistent monthly payment throughout the term of the loan.

  • The 30-year and 15-year fixed are the most popular loans in this category of loans.

  • Since the amortization period is the longest, it allows for a lower monthly payment than any other fixed rate loan amount up to $679,650.

Conventional Adjustable Rate Loans

  • Savings can be used to pay down other debt.

  • An ARM is a great option for clients who intend to refinance or sell a home in an expected time frame.

  • The 7-year and 10-year ARMS are the most popular ones in this category of loans.

  • Buyers can save thousands of dollars in payments during the initial fixed period vs. a fixed rate loan with a higher rate.

Jumbo Loans

  • Loan amounts up to $2,000,000

  • We specialize in fixed rate mortgages with terms of 30 years and 15 years.

  • Rate fixed for an initial period of 3, 5, 7, and 10 years. The term on these loans is 30 years.

FHA Loans

  • Only 3.5% down payment is required for most areas

  • Clients can qualify for an FHA loan even with a credit score as low as 550

  • Fixed-rate and adjustable rate loans are available

  • Loan amounts to $679,650 (in high cost areas such as Los Angeles and the San Francisco Bay Area).

HARP Loans

  • Homeowners save hundreds of dollars on mortgage payment each month

  • Loan-to-value is not a factor in determining qualification for a HARP loan

  • Relief for underwater homeowners who have a loan balance that is higher than the value of their homes

  • No equity, no private mortgage insurance, and no credit minimums are required to take advantage of HARP loans

Get Started!

Talk to our any of experienced and licensed Mortgage Advisors who can answer all your questions, provide you with rate quotes and help you find the best loan suitable for you. CALL today 925-236-9500 or