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LOAN PROGRAMS

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

(310) 746-5664

Mortgage Rate Options

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.

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Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...

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Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...

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Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

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Conventional Loans

✓ Ideal for those with good credit.
✓ Competitive interest rates.
✓ Various term lengths.

Jumbo Loans

✓ For high-value properties exceeding conventional limits..
✓ Requires a larger down payment.

VA Loans

✓ Exclusively for veterans and active-duty military.
✓ Zero down payment and no PMI.
✓ Exceptional terms and flexibility.

Commercial Loans

✓Suited for businesses and commercial real estate ventures.
✓ Various terms and structures.
✓ Evaluated based on income potential and business plans.

Adjustable-Rate and Fixed-Rate Mortgages

✓ Fixed-rate: Stable interest rate throughout the term.
✓ Adjustable-rate: Initial lower rate that may change over time.

DSCR Loans

✓ Tailored for real estate investors.
✓ Income of the property is the focus.

Bank Statement Loans

✓ Ideal for self-employed individuals.
✓ Use bank statements to verify income.

Construction Loans

✓ Short-term financing for building new homes.
✓ Convertible to a traditional mortgage.

FHA Loans

✓ Perfect for first-time homebuyers.
✓ Low down payment (starting at 3.5%).
✓ Backed by the Federal Housing Administration.

USDA Loans

✓ Designed for rural and suburban buyers.
✓ Potential for zero down payment.
✓ Aimed at low- to moderate-income individuals.

About Us

We've been helping customers afford the home of their dreams for many years and we love what we do...
NMLS: 1377442

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Financial Corporation
Company NMLS: 135622
10509 Vista Sorrento Pkwy #400 San Diego CA 92121

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