Let Us Help You Find the Perfect Loan Program for Your Needs

Is a Conventional Loan Right for You?

Low interest rates, fixed and adjustable rate mortgage options, and streamlined approvals. Conventional loans are well suited for first-time homebuyers, seasoned purchasers, or homeowners exploring a refinance with competitive terms.

To learn more about Conventional loans call 

(949) 394-3119

What is a Conventional Loan?

A conventional loan is a mortgage that follows the guidelines set by Fannie Mae and Freddie Mac. These government sponsored companies help provide lenders with the money they need to make home loans. Loan size, limited to $647,200 in most U.S. counties, is the most well-known requirement for conventional loans. Loans that don’t meet the standards set are called Non Conventional Loans.

Conventional Loan Benefits

A Conventional Loan can be an option if your mortgage amount doesn’t exceed the conventional loan limit, $647,200 for most 

U.S. counties.

• One of the lowest fixed interest rates available
• The flexibility of either a fixed-rate or an adjustable-rate mortgage (ARM)

Is an FHA Loan Right for You?

Low down-payment options. Flexible qualifications guidelines. Low interest rates. Attractive refinance options with high loan amounts. FHA loans bring homeownership within reach.

Situations in which an FHA loan makes sense:

• To take advantage of flexible qualifications and credit requirements 
• When your down payment of home equity is less than 20% of the loan amount. 
• To reduce monthly mortgage payments by refinancing an existing loan. 
• To access home equity through a cash-out refinance option. 

To learn more about FHA loans call 

(949)394-3119

What is an FHA Loan?

An FHA Loan is a government mortgage insured by the Federal Housing Administration (FHA). FHA Loans offer borrowers relaxed credit requirements and more flexible underwriting guidelines than conventional loans. In addition to purchase loans, refinance programs are available for FHA borrowers, non-FHA borrowers, and homeowners interested cash-out options. Up to 85% of the home’s current value can be taken out in cash with a refinance.

Is a VA Loan Right for You?

Competitive interest rates. Favorable loan terms. No required down payment. VA loan programs help eligible veterans and active duty service members become homeowners and provide refinance options to those with existing mortgages.

A VA loan may be right for you if you:

• Veteran who meets the eligibility requirements established by the U.S Department of Veterans Affairs*
• Want the option of making no down payment
• Want to save money by avoiding monthly Private Mortgage Insurance (PMI) requirements

To learn more about VA loans call (949)394-3119

What is a VA Loan?

It’s a home loan with no required down payment and favorable loan terms for Active Duty Service members, Veterans, Reservists, National Guard members, surviving spouses, and certain other individuals who meet eligibility requirements can use VA loans to purchase homes or refinance existing mortgages. VA loans are guaranteed by the Department of Veterans Affairs.

VA loans are one of the only mortgages to offer 100% financing (no down payment) for a home purchase. In addition, VA loans offer refinance and cash out options that can be used to pay off debt, fund major expenses, make home improvements, or refinance a non-VA home loan into a VA home loan with improved terms.

There is also a streamlined option known as an Interest Rate Reduction Refinance Loan (IRRRL) that provides veterans with existing VA loans an opportunity to quickly and easily refinance an existing VA loan. Underwriting terms are very relaxed on an IRRRL an they allow veterans or active duty to quickly and easily pursue a refinance when market conditions improve and interest rates drop.

VA Loan Benefits

VA Loans offer unique benefits to eligible veterans and active duty servicemen and women who are looking for:

• No Money Down
• No Mortgage Insurance
• Loan Amounts to $1.5 Million
• Credit Scores as Low as 500
• Competitive Rates
• Great Loans for First-Time Homebuyers