HOME LOANS

Conventional Loan

  • Traditional Conforming Loan with a Fixed Interest Rate and Monthly Payment. Loan amount of $625,000 or less.
  • (Available) Custom / Flex loan terms between 8 to 30 years. (Your choice). Flex is perfect for those who just want to lower their interest rate with a refinance and not go back to a 30 year term. 

High Balance Loan

  • High Balance Loan with a Fixed Interest Rate and Monthly Payment. Loan amounts of $625,000 to County Loan Limits. 
  • County Loan limits for: (Orange County, San Diego and Los Angeles / $937,500.)
  • High Balance Loan have Higher Loan Amounts but Better Pricing than a Jumbo Loan.
  • (Available) Custom / Flex loan terms between 8 to 30 years. (Your choice). Flex is perfect for those who just want to lower their interest rate with a refinance and not go back to a 30 year term.

Jumbo Loan

With home loans over $625,000, you can dream as big as you like:

  • Prime Jumbo loans $625,001 to $3 million.

  • Interest rates competitive with banks and online lenders.

  • Fast closings.

  • Options for primary, second and investment homes.

Plus, ask about our Prime Jumbo Released product, with special pricing on 30-year fixed loans with 80% cash-out LTV.

ARM Loan

  • ARMs offer lower initial rates that are fixed for 5, 7, or 10 years – longer than most people stay in their Home.

  • Fixed rate for a specific time and then periodic change of rate throughout the term of the loan.
  • Perfect for those who plan to move. No big balloon payment and no pre-payment penalties, so it’s easy to refinance
  • Cash-out options available
 

FHA Loan

  • Perfect loan for people just starting out.
  • Minimal down payments of 3.5% to 10% depending on your credit score.
  • FHA allows 100% Gifts from parents, relatives, employers, charity groups and government home buyer programs to pay for down payment and closing costs. 
  • Lower credit scores.
  • Must be Primary Residence.
  • Backed by FHA (Federal Housing Administration).
  • (Available) Custom / Flex loan terms between 8 to 30 years. (Your choice). Flex is perfect for those who just want to lower their interest rate with a refinance and not go back to a 30 year term.

VA Loan

  • Servicemembers, Veterans, and eligible surviving spouses to become homeowners.
  • Exceptional benefits for those who have served our country.

  • No down payment required

  • Low interest rates

  • Close in 30 days or less

  • Elite pricing for 640+ FICOs

  • (Available) Custom / Flex loan terms between 8 to 30 years. (Your choice). Flex is perfect for those who just want to lower their interest rate with a refinance and not go back to a 30 year term.

USDA Loan

  • Purchase a rural home with no money down.
  • 100% financing – no down payment.
  • Seller credits may help pay for closing fees.
  • Potentially roll closing fees into your monthly payment

Other Loans:

  • We have access to many other loan programs.
  • If you don’t see it up above, contact us. 
  • We either have it or will find it.
TOP TEN THINGS TO DO WHEN BUYING YOUR DREAM HOME...................... *CALL Al's Shop / (WE'LL HANDLE THE OTHER NINE)
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