Loan Options
California Mortgage Loan Programs
Explore the loan programs we work with across California — purchase, refinance, jumbo, government, self-employed, and investor options. Not sure which fits? Start with your situation.
Jumbo Loans
Financing above conforming limits for California's higher‑value homes.
Learn moreHigh‑Balance Conforming
Above the baseline limit but within your county's high‑cost ceiling.
Learn moreFHA Loans
Government‑backed financing with flexible qualifying and a low down payment.
Learn moreVA Loans
$0‑down options and no monthly mortgage insurance for eligible veterans.
Learn moreDSCR Investor Loans
Qualify an investment property using rental cash flow — not personal income.
Learn moreBank Statement Loans
Use bank deposits to document income — built for self‑employed borrowers.
Learn moreSelf‑Employed Mortgage
Bank statement, 1099, P&L, and Non‑QM paths for complex income.
Learn moreConventional Loans
A common path for primary homes, second homes, and investment properties.
Learn moreCash‑Out Refinance
Access home equity for renovations, investing, or consolidation.
Learn moreNon‑QM Loans
Flexible programs for unique income, credit, or property scenarios.
Learn moreSecond Home Financing
Vacation and second‑home options across California.
Learn moreCondo Financing
Condo‑specific guidelines for California condominium purchases and refinances.
Learn moreNot Sure Which Program Fits?
You do not need to know the program. Start with your situation and a licensed mortgage professional can help narrow it down.
This information is for educational purposes only and is not a loan approval, loan commitment, or rate quote. Final loan options are subject to review by a licensed mortgage professional.