Loan programs
A broker does not have a product. A broker has access. These are the loan types available through the wholesale lenders I work with, and the honest version of what each one is actually for.
- Conventional
- Fannie Mae and Freddie Mac loans, including high balance. Where most buyers with solid credit start.
- FHA
- Government insured. A good fit if your credit history is thin or you don't have much saved for a down payment.
- VA
- For eligible veterans, active duty service members, and surviving spouses. No monthly mortgage insurance.
- Jumbo
- For loan amounts above the conforming limit, which comes up a lot in the Santa Clarita Valley. Rules vary a lot from lender to lender.
- Bank statement
- For self-employed borrowers whose tax returns don't show what the business really brings in.
- DSCR
- Investment property financing qualified on the property's rental income rather than your personal income.
- Refinance
- Lower your rate, change your term, take cash out, or pay off debt. I'll tell you honestly if the numbers don't make sense.
- HELOC
- A line of credit on your home that lets you keep your current first mortgage and its rate.
Start with a quick call
Tell me what you're trying to buy and roughly where your income and credit stand. In about fifteen minutes we'll both know whether there's a loan here and what it would take.