California Loan Programs

Traditional financing backed by Fannie Mae/Freddie Mac. Lowest rates for qualified borrowers.

Lower initial rates that adjust periodically — save money if you plan to move or refinance.

Locked rate and payment for 15, 20, or 30 years — total predictability.

Government-insured with low down payments and flexible credit — ideal for first-time buyers.

Zero down payment for eligible veterans, active duty, and surviving spouses.

Zero down payment for eligible rural and suburban areas in California.

Finance your home purchase and renovation costs in a single FHA-insured loan.

Replace your mortgage to lower your rate, change your term, or access equity.

Access home equity by refinancing for more than you owe — receive the difference as cash.

Lower your rate or change your term without taking cash out.

Revolving credit line against your equity — draw as needed, pay interest only on what you use.

Fixed-rate lump sum second mortgage secured by your home equity.

Qualify with 12-24 months of bank statements instead of tax returns.

CPA-prepared profit and loss statement qualification — minimal docs for business owners.

Comprehensive mortgage solutions for business owners, freelancers, and independents.

Reduced documentation for qualified borrowers with strong compensating factors.

Investment property loans qualified by rental income — no personal income docs needed.

Complete financing solutions for rental, flip, and investment property purchases.

Financing for 2-4 unit properties — owner-occupied or investment.

Fast, asset-based financing for real estate investments. Approval in as little as 24 hours.

Short-term financing for purchasing and renovating properties for resale.

Financing above California's $1,249,125 conforming limit for luxury properties.

Convert equity to tax-free income for homeowners 62+ with no monthly payments.

Finance new home construction with conversion to permanent mortgage.

Finance purchase and renovation in one loan — perfect for fixer-uppers.

Flexible mortgage options for borrowers outside traditional qualification boxes.

Homeownership for borrowers filing taxes with an ITIN.

Mortgage programs for non-US citizens buying California property.

Short-term financing to buy your new home before selling your current one.

Pay only interest for 5-10 years for lower initial payments.

Specialized financing including condo project eligibility review.

Bank-held loans with flexible underwriting beyond Fannie/Freddie guidelines.

Buy or refinance with no job, no income verification — qualify on assets and credit alone.

Down payment assistance and special programs for California first-time buyers.