Mortgage Loan Options

VA loans help make homeownership more attainable for veterans and military service members. These loans are federally insured and available with no down payment.* Plus, they don’t require private mortgage insurance.

*Closing costs and fees may still apply.

Apply Now

FHA loans come with low down payment options and lenient credit requirements. These federally insured loans are designed to help more people achieve their homeownership goals.

Apply Now

USDA loans are government-insured loans that help people purchase homes in rural areas. These loans are often available with low or no down payment.*

*Closing costs and fees may still apply.

Apply Now

Conventional loans offer affordable rates and flexible down payment options.

Apply Now

These loans have higher loan limits that help you purchase high-value property. Low down payments are possible. Apply Now

Convert part of your home’s equity into cash with a reverse mortgage. If approved, you won’t have to make any monthly mortgage payments. You may apply for this loan if you’re at least 62 years old. Learn the rest of the requirements for a reverse mortgage in the Santa Rosa, CA area and see if it might be a good fit for you. Give PRMI’s Carolyn Barlow  a call to learn more. Apply Now

Get the financing you need to build the house of your dreams. Pay only the interest on your loan during the construction period, and once your home is built, you’ll have reduced your subsequent monthly amortizations. Get in touch with PRMI’s Carolyn Barlow to apply for a construction loan in Santa Rosa, CA and surrounding area.  Apply Now

A low credit score can be a hindrance for many aspiring homebuyers, but it doesn’t necessarily have to be. With a low credit loan, you don’t have to wait until your credit score improves before you can buy a house. As long as you meet the relevant requirements, you can own a home in the Santa Rosa, CA area. Contact us to learn more about low credit loans. Apply Now

Have a loan professional review your financial situation and determine your readiness to buy a home. If you are looking for a home in the Santa Rosa areas, talk to use about mortgage pre-qualification.  With our help, you’ll learn how much you can borrow and the price range you have to work with. It is a non-binding process and can help you as you prepare to become a homebuyer. Submit your documents for pre-qualification today.  Apply Now

What if you want to buy a house but don’t have enough money saved up for the down payment? Applying for down payment assistance is a great option. With this loan, you can set your closing date and get your name on the title of your new home as soon as possible. Contact Carolyn Barlow to apply for down payment assistance in Santa Rosa, CA. Apply Now

Get your monthly mortgage payments lowered by applying for mortgage refinancing in Stockton, CA. Refinancing pays off your first loan and lets you start afresh with a new one. You can get a better interest term and rate on this second loan. Talk to Carolyn Barlow and find out if refinancing is the best solution for your needs.  Apply Now

Apply for a home loan guaranteed by the U.S. Department of Veterans Affairs if you are an eligible veteran or the surviving spouse of a service member. A VA loan lets you buy a house with zero down. You also pay lower monthly amortizations with no mortgage insurance premiums. Carolyn Barlow can help you find out if you’re eligible for a VA loan in the Santa Rosa, CA area. Contact us to get started. Apply Now

Already found a house you want to buy? With a Federal Housing Administration (FHA) loan you only have to put down 3.5% of the purchase price.  Learn more about the requirements and application process for an FHA loan in Santa Rosa, or surrounding areas. Contact Carolyn Barlow today.

Apply Now

Buying a home in rural communities or the outskirts of urban centers is a great fit for the USDA loan program. As part of the Rural Development Guaranteed Housing Loan Program, this loan lets you buy a house with zero down.  Contact Carolyn Barlow — she’ll walk you through the process of applying for a USDA Loan in the Santa Rosa, CA area. 

Apply Now

Speed up the home buying process by applying for a conventional mortgage. Although not secured by a government agency, this type of home loan offers benefits, such as shorter processing time, low-to-zero private mortgage insurance (PMI) and affordable interest rates. Talk to Carolyn Barlow and apply for a conventional mortgage in Santa Rosa, CA and surrounding areas. Apply Now