Home Loan Programs
Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.
FHA Loans
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
USDA Loans
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.
VA Loans
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country.
DSCR Loans
A Debt Service Coverage Ratio (DSCR) Loan is designed specifically for real estate investors. Instead of qualifying based on your personal income, these loans focus on the property's rental income and cash flow, making them an excellent option for growing your investment portfolio.
Whether you're purchasing your first rental property or expanding an existing portfolio, DSCR loans offer a streamlined approval process with flexible qualification requirements.
Construction Loans
Whether you're building a custom home or developing an investment property from the ground up, Construction Loans provide the financing you need from start to finish. Funds are typically disbursed in stages as construction progresses, helping keep your project on schedule and within budget. Our construction financing solutions are designed to give builders, homeowners, and investors the flexibility needed to complete projects with confidence.
Contact Us
(909) 576-0550
3990 Concours Street, Ste 310 Ontario, California 91764
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