Loan Programs

One broker, many lenders. We compare wholesale lenders and programs to find financing that fits your situation. Availability depends on your qualifications and the property.

Reverse Mortgage (HECM)

Best for: Homeowners 62+

For homeowners 62+, a way to turn home equity into tax-free proceeds with no required monthly mortgage payment, while you stay in your home.

  • Can pay off an existing mortgage
  • Lump sum, monthly payments or line of credit
  • You keep title and must keep up taxes, insurance and maintenance
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HECM for Purchase

Best for: Buyers 62+

Buy a new, often smaller or easier-to-manage home using a reverse mortgage with a larger down payment, and no required monthly mortgage payment afterward.

  • Popular for downsizing and moving closer to family
  • Primary residence only
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Home Purchase

Best for: First-time and repeat buyers

Conventional, FHA, VA and USDA loans, with options for first-time buyers and low down payments.

  • Pre-approval guidance
  • Compare multiple wholesale lenders

Rate & Term Refinance

Best for: Existing homeowners

Replace your current loan to change your interest rate, loan term or loan type.

  • Shop several lenders
  • Compare costs against savings

Cash-Out Refinance

Best for: Existing homeowners

Use your home equity for renovations, debt consolidation or other goals with a new first mortgage.

  • Fixed and adjustable options
  • Your home secures the loan

Home Equity (HELOC / Second Mortgage)

Best for: Existing homeowners

Keep your current first mortgage and borrow against your equity with a second loan or line of credit.

  • Useful when your current rate is low

Jumbo Loans

Best for: Higher-value homes

Financing above conforming loan limits for higher-priced California homes.

  • Purchase and refinance
  • Larger loan amounts may require stronger reserves and documentation

FHA & VA Loans

Best for: Buyers and refinancers

Government-insured and guaranteed programs with flexible credit and down payment requirements.

  • VA for eligible veterans and service members
  • FHA with low down payment

Investor / DSCR Loans

Best for: Real estate investors

Financing for rental and investment property, including loans qualified on the property’s rental income.

  • Single and multi-unit residential
  • Buy, refinance or cash-out

Self-Employed / Bank Statement Loans

Best for: Self-employed borrowers

Non-QM programs for borrowers whose income is hard to document with tax returns.

  • Alternative income documentation
  • Terms and pricing differ from conventional loans

Renovation & Construction

Best for: Buyers and owners improving a home

Financing that includes the cost of repairs, remodeling or building.

  • Program availability varies

General information only; not a commitment to lend or an offer of credit. Terms and eligibility vary and are subject to credit approval, underwriting and property appraisal. Contact us for current rates and terms.

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