Loan Products & Programs
From first-time homebuyers to seniors tapping into equity — we offer mortgage solutions for every stage of homeownership.
Talk to a Loan Officer🏠 Purchase Loans
Whether you're buying your first home or moving up, we'll match you with the right loan program and competitive rate.
Conventional Loans
Down payments from 3%. Best for borrowers with strong credit and stable income. Conforming and high-balance options available.
First-Time Homebuyer
Low down payment programs, down payment assistance options, and educational guidance through every step of the purchase.
Investment Property
Financing for rental properties, second homes, and small multi-unit investments with competitive investor pricing.
💰 Refinance Loans
Lower your rate, shorten your term, or access your home's equity with a refinance that fits your goals.
Rate & Term Refinance
Lower your interest rate or change your loan term to reduce monthly payments or pay off your mortgage faster.
Cash-Out Refinance
Tap into your home's equity to pay off high-interest debt, fund renovations, or cover major expenses.
Streamline Refinance
Simplified refinance programs for FHA and VA borrowers — minimal paperwork, faster closing.
62+ Reverse Mortgage (HECM)
Homeowners 62 and older can convert a portion of their home equity into tax-free cash — with no monthly mortgage payment required.
No Monthly Payments
Eliminate your existing mortgage payment. You keep title to your home and pay no monthly principal or interest (taxes, insurance, and maintenance still required).
Flexible Payouts
Receive funds as a lump sum, monthly payments, line of credit, or a combination — whatever fits your retirement plan.
FHA-Insured
Home Equity Conversion Mortgages (HECM) are FHA-insured, with strong consumer protections including required counseling.
Reverse mortgages are complex loans. Borrowers must continue to pay property taxes, homeowners insurance, HOA fees (if applicable), and maintain the home. Failure to meet these obligations may result in loan default. Counseling from a HUD-approved counselor is required.
★ Government-Backed Loans
Flexible credit requirements and low down payment programs for eligible borrowers.
FHA Loans
Down payments as low as 3.5%. Flexible credit guidelines. Backed by the Federal Housing Administration — ideal for first-time buyers or those with limited savings.
VA Loans
Zero down payment for eligible Veterans, active-duty service members, and surviving spouses. No mortgage insurance required.
USDA Loans
100% financing for qualifying properties in designated rural and suburban areas. Income limits apply.
💎 Jumbo Loans
For home purchases or refinances above the conforming loan limit — common in San Francisco and Bay Area markets.
High-Balance Financing
Loan amounts beyond standard conforming limits. Competitive jumbo rates with flexible terms for qualified borrowers.
Bay Area Expertise
San Francisco home prices regularly require jumbo financing. We specialize in structuring these loans for Bay Area buyers.
Flexible Documentation
Bank statement loans and alternative documentation programs available for self-employed and high-net-worth borrowers.
Not Sure Which Loan Fits?
A licensed loan officer will review your situation and recommend the best program — at no cost or obligation.
Get Personalized Advice Call (415) 853-5640