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103% Financing Loans: Ideal for first time buyers, these no down-payment mortgages can help reduce, finance or eliminate nearly every cost associated with obtaining a home loan. Typically, most funds needed for closing costs can be a gift, can be financed into the new loan or can be paid by the seller. Conforming Loans: Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Generally has higher loan limits than loans insured by the Department of Veterans Affairs or offered by Cal-Vet. Jumbo loan programs are also available for higher loan requests. Home Improvement/Debt Consolidation: Equity lines of credit are available for just about any reason. We offer programs which require absolutely no equity in the home. Imperfect Credit Loans: Allows borrowers with less-than-perfect credit to qualify for competitive interest rates to consolidate debts and lower payments or make home improvements. No Income Verification Loans: Ideal for the self-employed with good credit, loans where borrowers agree to put down a slightly larger down-payment in exchange for reduced documentation requirements. VA and CAL-VET: Government insured/guaranteed long-term, fixed-rate and variable rate loans available only to veterans. Reverse Mortgages: Allows senior citizen borrowers to retain ownership of thier property and receive a monthly check, a lump sum or a credit line representing a portion of the equity in the property. No money is due until the property is sold, the owner dies, or an agreed upon date is reached.



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $333,700 with closing costs of $6,674. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $500,000 with closing costs of $10,000. Your actual APR may be different depending upon these factors.