Find the Right Mortgage Program
LOAN PROGRAMS
COMPREHENSIVE LENDING
Our Loan Programs
We offer a comprehensive range of loan programs to meet the diverse needs of our clients, from standard home purchases to specialized investor solutions.
FIXED & ADJUSTABLE RATE
Conventional Loans
The most common type of mortgage. Fixed-rate conventional loans offer stable monthly payments, while ARMs start with a lower rate that adjusts periodically. Available with down payments as low as 3%.
PROGRAM HIGHLIGHTS
- Loan amounts up to $832,750 (national baseline)
- Orange County limits up to $1,249,125
- Flexible fixed terms: 10 to 30 years
- ARM options: 5/1, 7/1, and 10/1
- PMI cancellation at 20% equity
GOVERNMENT-INSURED
FHA Loans
Ideal for first-time buyers or those with lower credit scores. FHA loans are government-backed, allowing for more flexible qualification requirements and a low down payment of just 3.5%.
PROGRAM HIGHLIGHTS
- Low 3.5% down payment requirement
- Credit scores as low as 580 accepted
- Gift funds allowed for entire down payment
- Flexible income and debt-to-income ratios
- Available for 1-4 unit primary residences
FOR VETERANS & MILITARY
VA Loans
An exclusive benefit for veterans, active-duty service members, and eligible surviving spouses. VA loans offer zero down payment options and competitive interest rates with no private mortgage insurance.
PROGRAM HIGHLIGHTS
- Zero down payment for eligible borrowers
- No monthly Private Mortgage Insurance (PMI)
- Competitive rates, often lower than Conventional
- Flexible credit and underwriting guidelines
- Reusable benefit for future home purchases
HIGH-VALUE PROPERTIES
Jumbo Loans
When conforming loan limits are exceeded, Jumbo loans provide the necessary financing for high-end luxury real estate. Specialized for borrowers requiring loan amounts above standard thresholds.
PROGRAM HIGHLIGHTS
- Loan amounts from $832,751 to over $3M
- Specific focus on Orange County luxury markerts
- Down payments as low as 10% for qualified clients
- Fixed and ARM options for large balances
- Asset depletion programs available for high-net-worth
FOR SELF-EMPLOYED BORROWERS
Bank Statement Loans
Tailored for business owners and entrepreneurs who may not show high income on their tax returns due to deductions. We use your monthly bank deposits to verify your purchasing power.
PROGRAM HIGHLIGHTS
- 12-24 months of bank statements used for income
- No tax returns required for qualification
- Personal and/or Business accounts accepted
- Loan amounts up to $3M for high-value properties
- Available for primary, secondary, and investment
INVESTMENT PROPERTIES
DSCR Loans
Designed for real estate investors. Qualification is based on the subject property's rental cash flow (Debt Service Coverage Ratio) rather than the borrower's personal employment or income.
PROGRAM HIGHLIGHTS
- No personal income or employment verification
- Qualify based on property cash flow only
- Interest-only payment options available
- Ideal for expanding rental portfolios quickly
- Streamlined closing process for investors
Ready to Find the Perfect Loan?
Not sure which mortgage program fits your goals? Our experts provide personalized guidance to help you make confident financing decisions.