Loan Programs:
FHA loan
We offer the FHA loan programs from a minimum 500 fico
score. The FHA down payment is 3.5% from a minimum 580 fico score on up and 10% down for 500-579 scores. We help our clients raise credit scores in a little as 3-4 days to qualify for programs or better rates and terms free of charge.
Conventional loan
Conventional loan programs are available from as low as a 3% down payment and a 
minimum 620 fico score.
Jumbo loan
Jumbo loan programs are available from a minimum 540 fico score up to 
3 mil loan amount. We offer a wide variety of jumbo loan options to provide buyers the flexibility needed to purchase their dream home. We offer jumbo loan purchase options from 5% down for qualified buyers.
USDA RURAL zero down program
USDA Rural zero down loan programs are available to purchase homes in 
USDA eligible areas. We are only licensed to lend and fund the USDA Rural loan programs in California. You may want to consider the USDA Rural home loan from a minimum 580 fico score.
Do you have down payment and closing costs?
We offer many down payment and closing cost assistance loan program choices in California to choose from depending on your qualifications.
California DPA Programs, Learn More
You may qualify to buy with minimal out of pocket expenses and pay less than rent with down payment and closing cost assistance programs in CA so inquire now.
Construction to Permanent Loans
VA loans or CalVet Loans
Are you a veteran looking for VA or CalVet home loan?
We have VA loan programs from a minimum 500 fico score.We also have manual underwriting available for the more complicated files. You will need fair credit for the VA or CalVet loan programs even though these programs are not fico score driven. We can raise your scores within 3-4 business days in most cases.
I am a Navy Veteran and have 34+ years experience packaging and submitting VA and CalVet loans for Approval. We can get your VA or CalVet loan funded so don’t hesitate to call me.
VA Learn More CalVet Learn More
VA/CalVet Loan Application VA Needs List