Residential Real Estate Loans Riverside, Los Angeles, Orange County CA

With many different loan options available on the market, it can be difficult to decide which one fits your needs best. We’ve explained each type of loan package below, helping you make an educated decision on your future. Depending on your circumstances, you may qualify for one or more of the following options. We’ll help guide you through this ardous process to ensure you get a secure choice with the most benefits.

For Low-Credit Homebuyers

FHA Loans

An FHA loan is a home loan the Federal Housing Administration insures. FHA loans require a smaller down payment and lower closing costs, and allow relaxed lending standards to help homeowners who don’t qualify for a conventional mortgage. FHA loans allow a down payment of as little as 3.5% on a mortgage.

This can make it possible for lower- and middle-income borrowers to buy a house when they don’t qualify for a conventional loan, which has stricter requirements including a higher credit score and bigger down payment. The downside is mortgage insurance premiums usually last the life of the loan.

Why FHA?

Relaxed credit qualifications
Lowest required down payment
Easiest to qualify
Perfect for first-time home buyers

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For Veterans and Active Military Members

VA Loans

A VA loan is a home loan the U.S. Department of Veteran Affairs insures and guarantees. A VA loan remains one of the few mortgage options for borrowers who don’t have the money for a down payment. Available to millions of veterans and active military members, VA loans are easier to qualify for than conventional loans.

While these loans do not require mortgage insurance, there usually is an upfront VA funding fee, which can be rolled into the loan or paid by the seller. VA loans allow borrowers to qualify for 100% financing and a number of other benefits.

Why VA?

0% down payment
No mortgage insurance premium
Lower interest rates
Relaxed credit qualifications

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For Standard Homebuyers

Conventional Loans

A conventional loan is a mortgage that is not guaranteed or insured by the Federal Housing Administration (FHA), the Department of Veteran Affairs (VA) or any other government agency. These loans are geared for borrowers with higher credit scores and large available funds for a down payment (typically 5-20%).

Conventional loans have products that provide borrowers more flexibility. Additionally, private mortgage insurance is removed at an LTV (loan-to-value) ratio of 80% or less.

Why Conventional?

More streamlined processs
Reduced or NO mortgage insurance premium
No mortgage insurance premium equals a lower payment
Typically higher loan limits

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Confused about your loan options?

There are a plethora of loan packages available on the market. We’ll help you pick the perfect option to suit all your needs.

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What Are Your Available Loan Options?

FHA Loans

Why FHA?

VA Loans

Why VA?

Conventional Loans

Why Conventional?

Confused about your loan options?