Decline in Market Value Request Form - CLICK HERE

STRS 80/17/3 Program - CLICK HERE

Home Affordable Refinance Program (Available April 2009) - CLICK HERE

First -Time Homebuyer Credit Information - CLICK HERE

Tax Credit for New Home Purchase - CLICK HERE

Fannie Mae Loan Lookup - CLICK HERE

Freddie Mac Avoiding Foreclosure - CLICK HERE

FHA

An FHA refinance mortgage or FHA loan allows for the refinance or purchase of a home with a low down payment. These loans are great for the first time home buyer.

Conventional

Fixed rate products. Adjustable rate mortgages. 30 due in 7 or 5, 2/1 buydowns, 40 year interest along with many other creative products. These programs are also available for second homes.

PERS

Up to 100% financing for PERS members. Ability to lock the rate for 60 days and take advantage of a lower rate, if available, at approval. We are an active participant in this program!

VA

100% financing – This program is available to all persons that have served or are serving in the armed forces and reserves. Call us for information on how to purchase with no money down and no cost paid out by you!

CAL VET

Very low rates for the first time buyers.

First Time Homebuyers

Many programs available. Call for qualifying criteria.

Jumbo

Many options to choose from including 30 due in 7, adjustable rate mortgages and fixed rates. Also, call us about a piggy back second for better rates.

Investor Products

Non-owner occupied loans available with up to 80% LTV. Cash out refinances up to 80% LTV. Fixed and adjustable rate products. We can also finance apartment buildings up to 100 units.

Commercial loans

We have many different programs. Call us to discuss your needs

No Ratio or Stated Income Loans

Special loans which require no verification of income. These programs work well for self employed borrowers with excellent credit