Products & Programs

We offer competitive rates and a wide selection of products, including:

Expanded FNMA - Freddie

• 97% LTV MyCommunityMortgage® Reduced MI Program
• 97% LTV Included NO-COST Job Loss Coverage
• 95% LTV With 5% Gift
• Homepath 95%
• 5-10 Financed Properties
• 90% LTV High Balance With 10% Gift
• 5% Grant - Behind VA, FHA & Freddie to $453,100

FHA

• FICO Down To 580
• No Overlays
• Manufactured Homes

USDA - Rural

• Up To 103% LTV

Reverse Mortgage

Jumbo - Non Conforming

• 90% LTV To $850,000 Down To 680 Score
• 85% LTV To $1,000,000 Down To 700 Score
• 75% LTV Second Home To $1,000,000
• Non-Warrantable Condos
• Foreign National 70% 2nd Home - SS# Not Required
• Jumbo Investment - Unlimited Financed Properties

State Housing - CalHFA

• Down Payment Assistance Programs Up To 105% LTV
• Conventional CalPlus With MyHome 2nd & ZIP (Zero Interest Program 2nd or 3rd)
• FHA CalPlus With MyHome 2nd & ZIP (Zero Interest Program 2nd or 3rd)
• Cal-EEM Grant Forgivable After 3 Years
• Cal-EEM FHA 1st & EEM Grant
• ECTP Extra Credit Teacher Program To 105%

VA - Veterans

• Up To 100%

Rehab - Renovation

• FNMA Homestyle
• FHA 203K Full
• FHA 203K Streamline
• EEM - Energy Efficient Mortgage
• Cal-EEM Grant

Homes For Heros

Brokering Allowed

• Including Non-Prime & Non QM