Services.

Conventional Loan

A conventional loan is a type of loan that is not offered or secured by a government entity like the FHA or VA. Instead, these loans are made available by government-sponsored enterprises Fannie Mae and Freddie Mac.

Current conventional limits for 2023 are:

Maximum Loan Amount for 2023 are $1,073,000 in Los Angeles and Orange county, $715,000 in other counties in southern California. 

Jumbo Loan

For higher mortgage amounts above conventional limits, home buyers may need to go with a jumbo mortgage for financing. Since they are portfolio loans from banks and private lenders, they come with unique underwriting requirements.

FHA Loan

FHA loan is insured by the Federal Housing Administration and mostly suitable for low-to-moderate income borrowers with lower down payment and/or less than perfect credit scores.

FHA insured loans are a great option for homeowners or home buyers that have a credit score of 580 or higher. Traditional, conventional loans typically have a minimum required credit score within the 640-680 range depending on the lender, so if credit is an issue – this might be an option for you!

VA Loan

FHA loan is insured by the Federal Housing Administration and mostly suitable for low-to-moderate income borrowers with lower down payment and/or less than perfect credit scores.

FHA insured loans are a great option for homeowners or home buyers that have a credit score of 580 or higher. Traditional, conventional loans typically have a minimum required credit score within the 640-680 range depending on the lender, so if credit is an issue – this might be an option for you!

Stated Income Loan

For more complex income situations, we offer products without verifying tax returns. With alternate income documents like bank statements, P&L statements, Verification of Employments, 1099 only, assets etc., you can still get a mortgage with larger down payments and good credit scores.

Foreign National Loan

Reverse Mortgage

You can still buy homes in the United States even though you are not a US citizen. With higher down payments, we allow foreign income and credit to be used to offer mortgages to non-residents.

Reverse mortgages are for homeowners ages 62 and older. This allows these homeowners to convert their home equity value into cash without any monthly mortgage payments.