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.