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  • Residence
  • Investment

Conventional Loans

Conforming conventional loans are loans that adhere to the standards set by Fannie Mae and Freddie Mac, including maximum loan amounts.

As of 2022, the standard limit for a conforming conventional mortgage loan maximum is $647,200 for a single-family home that you intend to live in. For borrowers in high-cost areas, the limit can be as high as $970,800.

Learn more

 

Jumbo Loans

Jumbo Loans, also known as High Balance loans, are when they are over $624,200 for a single-family home, and over $970,800 in high cost areas.  These loan amounts are over what is considered the lending limits for conforming loans.

Jumbo loans typically require higher credit scores than conforming loans (680+). You may also need to have a lower debt-to-income ratio (DTI) and put down a larger down payment.

Learn more

 

FHA – Federal Housing & Administration

These loans allow you to get into a home with a credit score as low as 500 and with very little downpayment.  County loan limits do apply, but this may be a good option if your credit score isn’t high enough to qualify for a conventional loan.  Learn more

VA – Department of Veterans Affairs

VA loans are designed for select members of the military community, their spouses, and other beneficiaries. They don’t require a down payment and don’t charge private mortgage insurance.

Learn more

 

 

Non-Prime / Subprime Loans

Conforming loans require that you have a debt-to-income ratio below 50% and a credit score of 620 or higher. But if your credit isn’t quite there, you may qualify for a subprime mortgage loan.

These loans are non-conforming and may charge high closing costs and interest rates. However, they can provide a way to get into a home without needing to wait until your credit is in excellent shape.

Learn more

 

 

Reverse Mortgage

Get supplemental retirement income by converting a portion of your home’s equity into cash. Receive payments as a lump sum or in monthly distributions.  Learn more

 

Second Mortgage – Line of Credit

A second mortgage is a loan made in addition to the homeowner’s primary mortgage. HELOCs are often used as second mortgages.

Learn more

 

Fix and Flip

Short-term, real estate loans designed to help an investor purchase and renovate a property in order to sell it at a profit.  Learn more. 

 

Hard Money Private Loans

A short-term loan, typically 12 months, is used until a person or company secures permanent financing or removes an existing obligation. It allows the user to meet current obligations by providing an immediate cash flow.  Learn more

Construction Ground Up

A loan program designed to provide a streamlined financing solution to build single family, multi-family, and mixed use projects which are entitled or shovel ready. Learn more

Long Term Rentals

Allows investors to purchase or finance an investment property for a term of 5 to 30 years.  Typically it is done based on the actually or market rent of the property.  Learn more

 

Conventional Loans

Conforming conventional loans are loans that adhere to the standards set by Fannie Mae and Freddie Mac, including maximum loan amounts.

As of 2022, the standard limit for a conforming conventional mortgage loan maximum is $647,200 for a single-family home that you intend to live in. For borrowers in high-cost areas, the limit can be as high as $970,800.

Learn more

Jumbo Loans

Jumbo Loans, also known as High Balance loans, are when they are over $624,200 for a single-family home, and over $970,800 in high cost areas.  These loan amounts are over what is considered the lending limits for conforming loans.

Jumbo loans typically require higher credit scores than conforming loans (680+). You may also need to have a lower debt-to-income ratio (DTI) and put down a larger down payment.

Learn more

 

FHA - Federal Housing & Administration

These loans allow you to get into a home with a credit score as low as 500 and with very little downpayment.  County loan limits do apply, but this may be a good option if your credit score isn't high enough to qualify for a conventional loan.  Learn more

VA - Department of Veterans Affairs

VA loans are designed for select members of the military community, their spouses, and other beneficiaries. They don't require a down payment and don't charge private mortgage insurance.

Learn more

 

Non-Prime / Subprime Loans

Conforming loans require that you have a debt-to-income ratio below 50% and a credit score of 620 or higher. But if your credit isn't quite there, you may qualify for a subprime mortgage loan.

These loans are non-conforming and may charge high closing costs and interest rates. However, they can provide a way to get into a home without needing to wait until your credit is in excellent shape.

Learn more

 

Reverse Mortgage

Get supplemental retirement income by converting a portion of your home's equity into cash. Receive payments as a lump sum or in monthly distributions.  Learn more

 

Second Mortgage - Line of Credit

A second mortgage is a loan made in addition to the homeowner's primary mortgage. HELOCs are often used as second mortgages.

Learn more

 

Fix and Flip

Short-term, real estate loans designed to help an investor purchase and renovate a property in order to sell it at a profit.  Learn more. 

 

Hard Money Private Loans

A short-term loan, typically 12 months, is used until a person or company secures permanent financing or removes an existing obligation. It allows the user to meet current obligations by providing an immediate cash flow.  Learn more

Construction Ground Up

A loan program designed to provide a streamlined financing solution to build single family, multi-family, and mixed use projects which are entitled or shovel ready. Learn more

Long Term Rentals

Allows investors to purchase or finance an investment property for a term of 5 to 30 years.  Typically it is done based on the actually or market rent of the property.  Learn more

 

What’s your Biggest Challenge?

Credit Challenges

Low Credit Scores, Excessive Debt, Mortgage Lates, Bankruptcy, Foreclosure, Forbearance; there are solutions.

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Down Payment and Equity

Low Credit Scores, Excessive Debt, Mortgage Lates, Bankruptcy, Foreclosure, Forbearance; there are solutions.

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Income

Low Credit Scores, Excessive Debt, Mortgage Lates, Bankruptcy, Foreclosure, Forbearance; there are solutions.

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Years in Business

Billion Dollars Funded

Closed Loans

Your financial journey starts today

 

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Susie Bassirpou

Senior Loan Officer

License: CA DRE Salesperson 01392454, FL 100102, WA MLO-1998306, NMLS 1998306 

Chat or Text an Expert Now

(949)544-1113

Noelle Wheeler

President

NMLS:  32388, CA DRE Bkr 01125188,
FL MLO L029466, VA MLO 6266VA,
WA MLO 32388 

Chat or Text an Expert Now

(408) 945-1100