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The Right Loan for You

Making the Best Financial Decisions

Choosing the right loan is crucial for any home purchase or refinance. Don't settle for limited options from traditional banks or brokers. Our flexible programs provide tailored solutions to meet your needs. I’ll guide you through the pros and cons of each product, from fixed-rate vs. adjustable-rate mortgages (ARM) to down payment options. Whether you’re exploring jumbo, conventional, FHA, VA, or other loans, I’m here to help. Contact me today to learn more about the benefits and eligibility requirements for each type.

Loan Types

Conventional Loans
Conventional loans are the most common type of mortgage and come in two main forms: Fixed-Rate and Adjustable-Rate Mortgages (ARMs). Both offer flexible terms and apply to loans within the conforming limits set by Fannie Mae and Freddie Mac.

Government Loans
The U.S. government offers programs to help make homeownership accessible:

  • FHA Loans: Require as little as 3.5% down but include mortgage insurance. 0% down payment options are available in some cases.

  • VA Loans: Support active-duty military, veterans, and their families with no down payment required.

  • USDA Loans: Designed for rural and suburban homebuyers.
    We also offer a 3% down program with no mortgage insurance for qualified borrowers.

Jumbo Loans
Jumbo loans cover properties that exceed conventional loan limits. In high-cost areas like San Francisco, this limit is up to $1,209,750 for a single-family residence. 2-4 unit buildings have higher limits as well. Jumbo loans are ideal for luxury homes or most properties in the Bay Area.

Additional Loan Options

Pre-Approval
A pre-approval gives you an edge when making an offer. Sellers feel confident in your ability to close quickly, which can make your bid more competitive, even against higher offers.

Foreign National Loans
These loans are designed for non-citizens purchasing a second home or investment property. I’ll help you navigate this specialized process with unique financing solutions.

Unique Programs

  • Asset Depletion: Use your assets as income, amortized based on age and asset value.

  • Bank Statement Loans: Ideal for Business Owners and the Self-Employed. Qualify based on your average annual balance.

  • Additional Options:

    • ITIN borrowers- An ITIN borrower is an individual who applies for a loan or mortgage using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN). ITINs are issued by the Internal Revenue Service (IRS) to individuals who are not eligible to obtain an SSN but need to file U.S. taxes. ITIN borrowers are typically non-U.S. citizens, such as:

      • Undocumented immigrants working and living in the U.S.

      • Foreign nationals who earn income in the U.S.

      • Non-resident aliens who are required to pay U.S. taxes on certain types of income.

    • RSUs as reserves- In many cases, RSU income can be used as part of your income calculation or reserve requirement.

    • 95% LTV with no mortgage insurance

    • Interest-only loans

    • High DTI (55%) programs

Investor Loans

  • Cash Flow Loans (DSCR): Qualification based on property cash flow; no income required.

  • Investor No Ratio: Call for details.

  • Fresh Start: No waiting period after major credit events.

We also offer Homeowners’ Access, Premier Access, and other Alt-A programs. Call today to explore all your options!