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CONVENTIONAL LOANS

  • Loan amounts up to $453,100
  • Fixed Rate: Loan terms between 8 and 30 years – Any odd year term available
  • Adjustable Rate (ARM): 5/1,  7/1, and 10/1 ARM
  • Up to 97% loan to value
  • Lender paid mortgage insurance options
  • Investment and Second Homes – Ok
  • Condo, 2-4 Unit, PUD and Town-homes – OK
  • No closing cost options
  • No prepayment penalties

JUMBO / NON-CONVENTIONAL LOANS

  • Loan amounts up to $5,000,000
  • Cash-out up to $1,000,000
  • Fixed Rate: 30 year fixed and 15 year fixed
  • Adjustable Rate (ARM): 5/1 and 7/1 ARM
  • 1-2 Unit – Ok
  • No closing cost options
  • No prepayment penalties

FHA GOVERMENT LOANS

  • Credit Scores as low as 550
  • Streamlines
  • Fixed Rate: 30, 25, 20, 15 year fixed
  • Adjustable Rate (ARM): 5/1 ARM and 7/1 ARM
  • Up to 96.5% loan to value Rate and Term refinance, and purchase
  • Up to 85% loan to value on cash-out
  • No closing cost options
  • No prepayment penalties

HIGH BALANCE LOANS

  • Depending on location loan amounts between $453,100 to $679,650
  • Fixed Rate: Loan terms between 8 and 30 years – Any odd year term available
  • Adjustable Rate (ARM): 5/1, 7/1, and 10/1 ARM
  • Investment and Second Homes – Ok
  • Condo, 2-4 Unit, PUD, and Town-homes – Ok
  • No closing cost options
  • No prepayment penalties

VA GOVERMENT LOANS

  • Up to 100% loan to value for refinance down to 640 Credit Score
  • Up to 100% cash-out
  • Fixed Rate: 30, 25, 20, 15 year fixed
  • Adjustable Rate (ARM): 5/1 and 7/1 ARM
  • JUMBO available with up to $350,000 cash-out allowed
  • Max DTI as high as 60%
  • VA IRRRL Streamline
  • Condo, 2-4 Unit, PUD, Town-homes – OK
  • No closing cost options
  • No prepayment penalties

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The Best Rates for Home Loans in San Diego, Hawaii, Oregon, and Colorado.

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