Loan options
We work with all loan types — Conventional, FHA, VA, Non QM, Purchase, Refinance, HELOC, and Reverse Mortgages — and we customize every solution around your goals, not just what you qualify for. The right loan is the one that fits your life five years from now, not just today.
Best for buyers with solid credit and stable income who want competitive rates and flexible terms. A great fit for move-up buyers and anyone putting 5% or more down.
Designed for first-time buyers and anyone who needs more flexibility on credit or down payment. FHA opens the door when conventional financing feels just out of reach.
An earned benefit for active-duty service members, veterans, and qualifying spouses. The best loan product in the market when you qualify — period.
For self-employed borrowers, investors, and anyone who doesn't fit the traditional W-2 mold. Bank statements, asset-based, and DSCR programs available for Southern California homes.
Whether it's your first home or your forever home, a strong pre-approval is what wins in this market. We package your file so listing agents take your offer seriously.
Best for homeowners looking to lower their payment, shorten their term, or drop mortgage insurance. We only recommend a refi when the math genuinely works in your favor.
A flexible, reusable credit line secured by your home's equity. Draw funds as you need them, pay interest only on what you use, and re-borrow as you repay — ideal for ongoing projects, tuition, or a safety net.
For homeowners 62 and older, a Home Equity Conversion Mortgage (HECM) converts your equity into tax-free cash with no monthly mortgage payment required. Stay in your home while accessing the wealth you've built — to supplement retirement, cover expenses, or fund home modifications.
A quick side-by-side on the three loan types most Orange County buyers consider. Have questions? That's what a 15-minute call is for.
| Factor | Conventional | FHA | VA |
|---|---|---|---|
| Down payment | 3% – 20% | 3.5% | 0% |
| Minimum credit score | 620 | 580 | 580 (lender overlay) |
| Mortgage insurance | Required under 20% down; cancellable | Required for life of loan | None — ever |
| Best for | Strong credit, stable income, flexible terms | First-time buyers, lower credit, smaller down payment | Active-duty, veterans, qualifying spouses |
Rates shown are for informational purposes only and are subject to change without notice.