Buying your first home, growing a rental portfolio, or putting the equity you've built to work? There's a path for you. Here's a friendly guide to every program we offer.
Tap what sounds like you and we'll highlight your best matches.
Conventional loans aren't backed by a government agency, which gives them a lot of flexibility. With good credit, they often come with some of the best rates and terms around, and the mortgage insurance doesn't have to stick around forever.
The everyday hero of home loans. Conforming loans follow Fannie Mae and Freddie Mac guidelines, which keeps them widely available and competitively priced. If you have solid credit and steady income, this is often the smoothest road home.
Life doesn't always fit in a box, and neither do some homes. Non-conforming loans are for situations that fall outside standard agency guidelines, like a unique property or a less typical borrower profile. Different doesn't mean out of reach.
Your home has been working for you. Now let it work a little harder. Refinance to grab a lower rate, shorten your term to pay it off sooner, or tap into your equity for renovations, debt consolidation, or whatever's next.
Backed by the federal government, these programs were created to make owning a home more accessible, with lower down payments and more forgiving credit guidelines.
One of the most popular ways to buy a first home. FHA loans are insured by the Federal Housing Administration, which lets lenders offer low down payments and flexible credit requirements. If you've been told you're not ready yet, FHA might say otherwise.
A thank-you for your service. VA loans are backed by the Department of Veterans Affairs and are one of the strongest home loan benefits out there for eligible veterans, active-duty service members, and surviving spouses.
Not everyone earns money the "traditional" way, and that's more than okay. Non-QM loans look at the whole picture of your finances instead of just a W-2, so entrepreneurs, investors, and global buyers can qualify on their own terms.
Let the property do the talking. DSCR loans qualify you based on the rental income a property brings in compared to its monthly costs (the debt service coverage ratio), not your personal income. A simple way to keep growing your portfolio.
Your business is thriving, but your tax returns don't show it. Bank statement loans use 12 to 24 months of bank statements to verify your income instead of tax returns, so all your hard work actually counts.
Dreaming of owning a piece of the U.S.? Foreign National loans help non-U.S. citizens buy property here, even without a U.S. credit history or Social Security number.
Keep your write-offs and still qualify. P&L loans verify your income with a profit and loss statement prepared by a CPA or tax professional, perfect for business owners whose tax returns understate what they really earn.
When your next home is priced above conforming loan limits, which is common across Southern California, a jumbo loan gives you the financing power to match.
Go for the home you actually want. Jumbo purchase loans finance homes above conforming loan limits, so the higher price tags of coastal and high-cost markets don't have to hold you back.
Already in a high-balance home? A jumbo refinance can help you lock in a better rate, adjust your term, or tap into the equity you've built in a high-value property.
You've spent years building equity. A reverse mortgage lets homeowners 62 and older turn some of it into cash while continuing to live in the home they love.
The Home Equity Conversion Mortgage is the FHA-insured reverse mortgage. Instead of making monthly mortgage payments, you can receive funds as a lump sum, monthly payments, a line of credit, or a mix. More breathing room for retirement, expenses, or simply enjoying life.
Getting a mortgage shouldn't feel complicated. Here's what working with us looks like.
Share where you are and where you want to be. No pressure, no jargon, just a real conversation.
We compare programs across conventional, government, non-QM, jumbo, and reverse lending to find terms that fit.
We guide you from application to funding, and you can follow every step in your Loan Tracker.
That's exactly what we're here for. Tell us a little about your situation and we'll point you toward the options that make the most sense.
Program availability, terms, and eligibility are subject to borrower qualification and underwriting approval.