Loan Products

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FHA Home Loan

  • Minimum credit scores

  • Down payments as low as 3.5%

  • Allows sellers, builders and lenders to pay the borrower’s closing costs

  • Loan product for extra cash to make repairs to their homes

  • Use gift funds to help with your down payment

  • FHA Approved Condo List: Click here to check if the condo is approved

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VA Home Loan

  • Relaxed credit score standards

  • No and low down payment options

  • No Private Mortgage Insurance

  • Competitive Interest Rates

  • No prepayment penalty

  • VA Approved Condo List: Click here to check if the condo is on the approved list

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Fixed Conventional Home Loan

  • Predictable fixed payments

  • Easy to amortize payments

  • Protection against rising interest rates

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Jumbo Home Loan

  • Mortgage amounts in excess of the conforming limit of $548,250* for a one-unit property

  • Fixed or Adjustable Options

*Varies by State and Area.​

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Debt Consolidation

It’s not hard to initiate the debt consolidation process. But it will take some time and energy. The first order of business — lay everything out in the open.

Content by Sam Rantissi California Mortgage Loan Officer