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Fixed Rate Loans

Fixed Rate Loans are distinctive from other mortgages in that they keep the same interest rate. Since the interest rate is unchanging, the mortgage payment will remain at the same price until the loan is paid in full. Fixed Rate Loans give the option of choosing from a 10, 15, 20 or 30-year loan term. If you are planning on staying in your home for a long period of time then a Fixed Rate Loan is a good option for you.

Adjustable Rate Mortgages (ARM)

Adjustable Rate Loans typically have a lower initial interest rate that fluctuates over time to adjust to the market rate.  The interest rate on this loan will be locked for 1, 3, 5, 7, or 10 years before the interest rate has its first adjustment. After the initial change, interest rates will adjust once a year until the loan is paid in full. These annual adjustments will change your mortgage payment to either be higher or lower. ARMs are typically used by individuals who plan on moving or refinancing within 10 years of the purchase.

FHA Loans

An FHA loan is a conforming loan, meaning it is backed by the Federal Housing Administration. An FHA loan is typically issued by the government as a refinance or purchase loan. FHA loans are ideal for home buyers because they offer more flexibility for down payments, credit, and income. Many current FHA mortgage holders may be eligible for an FHA Streamline Refinance to which can help lower their interest rate without having to file a new loan application.

Zero Down Payment

Zero Down Payment Program offers two mortgage programs which fall under an FHA Loan. The first is the CalHFA. CalHFA mortgage enables you to get into a home with no down payment and no closing costs. The second option is the CalHFA Look Alike. The CalHFA Look Alike is a 1st and 2nd loan program, where the 2nd loan can be forgiven after 36 months.

Jumbo Loans (Conforming and Non-Conforming Jumbo Loans)

Jumbo loans are a home mortgage especially for those individuals who are financing a luxury property. There are two kinds of jumbo loans. The first is for Conforming Jumbo Loans, which provides financing for properties up to $2.5 million. The second is called a Non-Conforming Jumbo Loan, also known as Super Jumbo Loans, which are specifically for premium luxury properties with financing available up to $15 million.

Hard Money Loans

Hard Money Loans are for those who do not qualify for a traditional loan. Under the Hard Money Loan, you can qualify for a home mortgage with a minimum credit score of 500 and no more than one late payment in the last 120 days. Once approved, you have the choice to put the loan towards purchasing a home or refinancing.

Foreign National Loans

Foreign National Loans are open to anyone living in a different country and to anyone living in the United States with a visa. Foreign National Loans are flexible to suit any situation. You can qualify for a Foreign National Loan if you do not have a green card, credit score or W2 form.

True Stated Income

The True Stated Income Loan is for those who would like to purchase a home but do not have all the essential documents for a conventional loan. With the True Stated Income Loan you can be approved for a home mortgage even if you do not have tax returns, verification of employment, or filed tax inquiries.

VA Loans

VA Loans are guaranteed by the Veterans Administration (VA) and only available to veterans and active military personnel. This loan has the ability to borrow up to 100% of the value of your home in a refinance or buy a home with no money down.

HARP 2.0

The Home Affordable Refinance Program “HARP” loan program helps individuals who are paying more than the current value of their home.  The program allows homeowners to refinance their mortgage at a lower rate as long as the homeowner is up to date on their payments, and have made timely payments for the previous 6 months.

Reverse Mortgages (HECM)

Reverse Mortgages is a loan program only available to those aged 62 and older, retired and looking to lower their monthly expenses. Reverse Mortgages allow the homeowner to borrow money against the equity of their home. There are no required monthly mortgage payments, and the loan will not have to be paid back until the home owner moves to a different residence, sells the home, or fails to comply with the terms of the loan.