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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.
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Our Team of expereined mortgage lan officers will guide you through the process and customize a home mortgage experience that best meets your needs.
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Below is a list of four common residential home mortgage programs that we specialize in.
CONVENTIONAL
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Credit qualifications begin at 620 FICO score.
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3% minimum down payment for well qualified first time home buyers.
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Conforming loan limit up to $647,200 for most areas.
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High Balance loan limit in Orange & LA counties is $970,800


FHA
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Credit qualifications begin at 580 FICO score.
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3.5% minimum down payment for first time home buyers.
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FHA first time home buyer interest rates are priced competitively for low to moderate income households.
VA
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The Department of Veteran Affairs guarantees VA mortgages.
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The VA does not set minimum FICO score requirements for VA home mortgage loans, these instead can vary per lender.
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VA home loans are 100% financeable, with zero down payment required.


USDA
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A USDA home loan is a zero down payment home mortgage loan for eligible rural areas.
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Income & FICO score limits apply.
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To learn more about eligible USDA home mortgage zones reach out to one of our loan officers today!
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