Loan Programs

96.5% Home Loan

Affordable 3.5% down payment – all can come from a gift
Less income required – expanded debt ratios make it easier to qualify

Fixed Rate Mortgages

You want the certainty of a fixed principal and interest payment
Are on a fixed or tight budget
Believe interest rates will, or may go up
Plan on staying in the same home for a long term

Adjustable Rate Mortgages

You plan on moving or re-financing within 5 years of the mortgage transaction
Believe interest rates will stay the same or go down

Some of the many benefits of adjustable loans include the following:

You can save thousands in monthly payments over the first few years
Your payments are amortized over 30 years
With the lower interest rates it may be easier for you to qualify for a loan
The interest rate caps help keep payments within reach, if and when the rate adjusts upward
The rate is typically limited to a 1% or 2% change in either direction per adjustment, and a maximum of 6% over the life of the loan

HARP 2 Mortgages

If you are upside down, owe more than your home is worth you might be eligible to refinance to today’s low rates
Call to find out if you are eligible!

Re-Finance, Including Re-Finance with Cash-Out

Pay off high interest rate credit cards – debt consolidation
Home improvements
Have additional interest deductions at tax time
Get cash for college
Fixed rate or adjustable rate programs available
30, 20, 15, or 10 year terms

Reverse Mortgages

Must be 62 years of age or older to qualify
Allows you to access the equity in your home without making monthly payments

Specialty Income and Credit Products

Self-Employed
No cost loans
No asset loans

Jumbo Mortgages

Jumbo mortgages are categorized as loans in excess of $672,750 for single-family residences in Ventura County
Available up to 4 million dollars

Investment Property

1, 2, 3, or 4 unit properties

Property Types

Condominiums
Commercial
Apartments
Manufactured housing
Mixed use property

Multi-Family

5+ Units

V A Loans

100% Financing

Zero Closing Cost Loans

All closing costs are paid except pre-paids
No title costs
No appraisal cost
No underwriting fee
No document preparation fee
No fees of any kind
No pre-payment penalty
Loans for purchase or re-finance