Loan Programs


  • Minimum 3.5% Down Payment
  • Upfront Mortgage Insurance can be Financed
  • Income Earning Property Allowed (up to 4 units)
  • Gift Funds Allowed
  • Co-Signer Allowed
  • Must Be Owner Occupied


  • Eligibility is Geographically & Income Driven
  • 100% Financing Available
  • Do Not have to be a First Time Homebuyer, but Cannot Currently Own 
  •  Another Property
  • SFR Only – No Income Earning Property
  • No Reserves Required
  • Gift Funds Allowed
  • Must Be Owner Occupied

 Conventional Loans

  • Minimum 3% down (First-time home buyers)
  • Gift funds allowed for owner occupied options
  • Co-signer allowed
  • Investment property options available with 20% down

 VA & Cal Vet

  • For Veterans Only
  • 100% Financing Available
  • Pest Inspection & Clearance Required
  • No Monthly Mortgage Insurance
  • One Time Upfront VA Funding Fee can be Financed
  • Seller can Pay All Closing Costs 
  • Must Be Owner Occupied

Rehabilitation Loans and first-time homebuyer programs available, call us for special options!

We brighten the path to home ownership.