Purchase Home Loans

Whether you are a First Time Home Buyer or a Seasoned Real Estate Investor we can help you navigate the many loan programs that exist.

Our Team of expereined mortgage lan officers will guide you through the process and customize a home mortgage experience that best meets your needs.

Below is a list of four common residential home mortgage programs that we specialize in.

CONVENTIONAL

  • Credit qualifications begin at 620 FICO score.

  • 3% minimum down payment for well qualified first time home buyers.

  • Conforming loan limit up to $647,200 for most areas.  

  • High Balance loan limit in Orange & LA counties is $970,800 

Family Viewing House
Done Deal

FHA

  • Credit qualifications begin at 580 FICO score.

  • 3.5% minimum down payment for first time home buyers.

  • FHA first time home buyer interest rates are priced competitively for low to moderate income households.

VA

  • The Department of Veteran Affairs guarantees VA mortgages. 

  • The VA does not set minimum FICO score requirements for VA home mortgage loans, these instead can vary per lender.

  • VA home loans are 100% financeable, with zero down payment required.

Country Style Home

USDA

  • A USDA home loan is a zero down payment home mortgage loan for eligible rural areas. 

  • Income & FICO score limits apply. 

  • To learn more about eligible USDA home mortgage zones reach out to one of our loan officers today!