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Mortgage Loan Options

We firmly believe that the best way to handle mortgages is for the borrower to be actively involved in the process every step of the way. From choosing between loan programs to understanding negotiating terms, we're here to help you with anything you need.

Below are some of the most commonly utilized loan programs we offer...

Jumbo Loans Click to open answer

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

Disaster Relief Loan Click to open answer

If you’ve become a recent victim of a natural disaster that has destroyed your home, you may want to take advantage of our Sacramento disaster relief loan. This home loan option enables you to purchase a property without any down payment. Apply Now

HARP Home Loan Click to open answer

HARP, short for Home Affordable Refinance Program, lets qualified borrowers who don’t have enough home equity to refinance at a lower interest rate. Consider applying for a HARP home loan in Sacramento if you are unable to qualify for traditional refinancing. Apply Now

Reverse Mortgage Click to open answer

Our reverse mortgage program allows you to turn the equity of your home into cash. Use the resulting funds to pay your taxes, debts, medical bills, and everyday living expenses. This program can be ideal for homeowners in or nearing the retirement phase of life. It can provide ample peace of mind during these years of your life. Apply Now

Low-Credit Home Loans Click to open answer

Our low-credit home loans are great for people who want to buy a home but have an average or low credit score. A few of the mortgage programs you can consider are FHA and USDA loans. Apply Now

Pre-Qualification Click to open answer

Pre-qualification is the first step in the mortgage application process. Getting pre-qualified means that you’ve already provided the lender with basic financial information to determine how much you can afford when buying a home. This can make the entire home purchase process much smoother. Apply Now

First-Time Homebuyer Click to open answer

Individuals seeking to buy a home in the Sacramento area can turn to us for assistance. Our home loan specialists will take the time to understand your needs and explain everything to your satisfaction. They can point you towards the most suitable home loan programs for your situation and budget. Apply Now

Construction Click to open answer

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. Apply Now

Refinance Click to open answer

Get your monthly mortgage payments lowered by applying for mortgage refinancing. 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. Apply Now

VA Loans Click to open answer

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 Click to open answer

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 Click to open answer

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 Click to open answer

Conventional loans offer affordable rates and flexible down payment options. Apply Now

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