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Refinance
Purchase
First Time Buyers
Second Mortgages
Debt Consolidation
Construction Loans
Zero Down Loans
FHA & VA Loans
Reverse Mortgages
CalHFA California first Time Homebuyer program |
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| 100% Financing |
| The 100% financing loan is designed to offer home ownership opportunities to borrowers with good credit but who lack the ability or desire to make a down payment on a home. It provides an option for those who wish to invest their savings in assets other than their home. |
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| Full Doc |
| A full doc loan is one that requires that the borrower present all necessary documents, including income verification to be considered for the home loan. |
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| State Income |
| Stated income home loans allow those who are self employed or do not have documentation of earned wages to state a wage on the mortgage application and qualify for a mortgage based on that stated income. |
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| Fixed Rate Mortgages |
| A fixed rate mortgage is a mortgage in which the monthly payments stay stable (never change) throughout the life of the loan. |
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| Adjustable Rate Mortgages |
| Adjustable rate mortgages allow the interest rate on your home loan to fluctuate during its life based on market conditions. |
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| Reverse Mortgages |
| A special type of home equity loan for persons 62 and older. Reverse mortgages allow owners to convert some of the equity in their homes to cash. The loan does not usually have to be repaid during the homeowner's lifetime. Loan advances are not taxable and do not affect the homeowner's Social Security or Medicare benefits. The money from a reverse mortgage can be used for anything from daily living expenses to home repairs and home modifications. |
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| Semi Fixed Mortgages |
| Semi Fixed Mortgages are generally fixed for 3, 5, 7, or 10 years. After the initial fixed period the mortgage adjusts annually based on market conditions. |
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