Home Loan Programs

house on Newport Beach Coast, CA

30 Year Fixed
The 30-year fixed jumbo loan is probably the right type of loan if your goal is to have a low monthly payment and remain in the home longer than 7 or 10 years. Borrowers may also make larger payments which puts them in the position to pay off the loan quicker.

15 Year Fixed
A 15-year fixed-rate loan allows borrowers to save a substantial amount of money over the life of the loan versus a 30 year fixed jumbo. See how much you save with our calculators.

ARMs - 5, 7 & 10 Years
For borrowers with shorter term financing demands, an adjustable rate loan is perfect as it offers a lower rate than a 30 or 15 year fixed program (most of the time). Use the monthly savings towards other needs.

FHA Home Financing
Borrowers with average credit can get into a $645,000 home in high-cost areas like Los Angeles, and other cities in California with only a 3.5% down payment. This can be achieved by using the government-insured mortgage from the FHA on a 30 or 15-year fixed rate mortgage. Moreover, their streamline refinance features no documentation advantages and is even available on 1 to 4 unit properties with non-occupant co-borrowers.

VA Home Financing
If you served in the armed forces and are a military veteran, on active duty, or in the reserves, you may be eligible for a zero down payment loan on a purchase or you can streamline refinance your existing VA Loan with some of the best interest rates available. Available on 1-to-4 unit properties up to $2 million in some cases.

Specific Programs

Super Jumbo Loans
Available for residential homes valued up to $10 million dollars. Based on your requirements, there are numerous solutions to select from including down payments, fixed-rate or ARM, etc.
Find out more

Stated Income Jumbo Mortgage
As of Oct. 2019. Now available as a 2 month bank statement program for California properties ONLY.
Learn about other low doc loans

Foreign Nationals and VISA holders
Inquire with us about financing and down payments.
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Asset Qualifier
Ideal for borrowers with large bank, money market or brokerage accounts. Reserve funds are derived from qualifying liquidable assets, blended with competitive jumbo loan terms and conditions. The loan size is typically from $500,000 and up.

Owning over $1 million dollars in liquid assets is the key to obtaining this loan. Rates range from 1.5% - 3% over traditional documented loans.
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