Loan Options It all starts with finding you the right loan Let our professional staff help you find the right loan solution to meet your goals. We are committed to getting you the loan that works for you, not the loan that works best for us. If you can qualify for a California FHA loan we’ll find out, and if you need a jumbo mortgage loan we’ll help you determine that as well. Call us today, one of our representatives will be happy to answer your questions and give you the advice you need at no obligation. 15 and 30 year Fixed Rate Loan. If you are looking for a constant rate over the term of the loan, the fixed rate option is for you. Thirty year rates will give you the lowest interest rate of the fixed options. While the 15 year term saves you interest over the life of the loan. This means that the mortgage terms you set today will be the exact same 15 or 30 years from now. Adjustable Rate Mortgage If your plans for your mortgage are not long-term, you may be able to save money in the short run with an ARM mortgage. When interest rates become unpredictable sometimes an adjustable rate mortgage become easier to obtain than fixed rate loans, and you never know, interest rates could always go down! FHA Loans Qualify with as little as 3% down! This loan was originally designed during the great depression to allow lower income individuals to stay in their homes while at the same time taking some of the risk off the lender’s books. If you meet the criteria we can help you qualify for a California FHA loan, even if your credit is less than perfect. Not a first time buyer? That’s okay; the program was expanded in 2007 to help with the subprime mortgage crisis. You might just be the perfect candidate. Jumbo Loans Sometimes people need loans in an amount above the conventional conforming loan limit set by Fannie Mae and Freddie Mac. This limit determines the maximum value of a mortgage that the two government sponsored enterprises will purchase from lenders. Jumbo loans are generally riskier for lenders because if the borrower defaults it can be difficult to move a luxury residence in a prompt manner and for the full price. Case by Case Loans If you have other than typical forms of income proof, are self-employed, have multiple income properties, or your credit is less than perfect, we can still help! Call us with your loan scenario. Commercial Loans If you need a loan for multi-family housing, multi-use properties or commercial buildings, our commercial loan experts at the ready to provide an evaluation of your income property. Just give us a call and get your evaluation. Yes, it is that easy. Find Your Capital Solution, Call for a Free Quote Today!