Loan programs
Every option, explained clearly.
The right loan depends on your credit, your savings and your plans. Here's a plain-language look at each program. When you're ready, I'll compare the ones that fit you side by side.
- 01 / 10
Conventional
A flexible choice for buyers with steady income and solid credit, with low down payment options available.
Learn more about Conventional - 02 / 10
FHA
Government-insured financing with more flexible credit guidelines and low down payment options.
Learn more about FHA - 03 / 10
VA
A benefit earned through service, for eligible veterans, active-duty service members and surviving spouses.
Learn more about VA - 04 / 10
USDA
For eligible buyers purchasing in qualifying rural and suburban areas. Income limits apply.
Learn more about USDA - 05 / 10
Down Payment Assistance
You may qualify for help with your down payment or closing costs through California assistance programs.
Learn more about Down Payment Assistance - 06 / 10
Jumbo
For loan amounts above the conforming limit, common in many Southern California neighborhoods.
Learn more about Jumbo - 07 / 10
Bank Statement Loans
For self-employed borrowers whose tax returns don't show their true income. Qualify using your bank deposits instead.
Learn more about Bank Statement Loans - 08 / 10
P&L Loans
For self-employed borrowers who qualify using a profit and loss statement prepared by a CPA or tax preparer.
Learn more about P&L Loans - 09 / 10
Asset Based Loans
Qualify based on your savings and investments instead of your employment income.
Learn more about Asset Based Loans - 10 / 10
Refinance
A fresh look at your current loan to see whether a new rate, term or cash-out option fits your goals.
Learn more about Refinance
Not all borrowers will qualify. Programs subject to credit approval, eligibility and underwriting guidelines.
How do I know which program is right for me?
Start with a short conversation. I'll ask about your goals, income, credit and savings, then show you the programs you may qualify for with every cost laid out.
Will talking to you affect my credit?
No. A conversation doesn't touch your credit. If we move toward pre-approval, I'll tell you before any credit check happens.
How long does pre-approval take?
It depends on how quickly documents come together. Many buyers have an answer quickly once paperwork is in.
Can my real estate agent stay in the loop?
Absolutely. Updates at every step, for you and your agent, is how I work.
Your next home might be closer than you think.
Tell me where you are today and I'll show you the clearest path forward.