Loan programs built around real California families

Whether you're buying your first home, refinancing, or qualifying with an ITIN, we'll match you to the right program and explain it in plain language — in English or Spanish.

• Home Purchase Loans — Competitive financing to buy your first or next home in California.
• Refinance Loans — Lower your rate, shorten your term, or access equity with a refinance.
• Conventional Loans — As little as 3% or 5% down, with mortgage insurance that can fall off later.
• FHA Loans — Low down payments and flexible credit guidelines for qualifying buyers.
• VA Loans — $0 down for eligible veterans and service members, with no monthly MI.
• ITIN Loans — Buy a home using your ITIN — no Social Security number required.
• Foreign National Loans — Buy U.S. property from abroad — no U.S. credit history required.
• DSCR Investor Loans — Qualify on the rent your property earns — not your personal tax returns.
• Asset Depletion Loans — Turn your savings and investments into qualifying income.
• Bank Statement Loans — For the self-employed: qualify on your deposits, not your tax returns.
• No-Income-Verification Loans — Qualify on your credit and savings — without income or employment documents.
• P&L-Only Loans — Qualify with a profit-and-loss statement — no tax returns required.
• Earned Equity Program — A path to ownership when a traditional loan isn't the right fit yet.
• Physician Loans — Low-to-no down payment financing built for doctors and dentists.
• Cash-Out Refinance — Turn the equity you've built into cash — without a separate second loan.
• Home Equity Loan (HELOAN) — Borrow against your equity at a fixed rate — without touching the low rate on your first mortgage.
• Rate-and-Term Refinance — Lower your rate or change your term — no cash out, no bigger balance.
• DSCR Refinance — Refinance a rental on its own rent — not your personal income.
• Apartment & Multifamily Refinance — Refinance a 5+ unit apartment building on its net operating income.
• Bank-Statement Refinance — Self-employed? Refinance on your deposits, not your tax returns.
• FHA Streamline Refinance — Already have an FHA loan? Lower your rate with far less paperwork.
• VA IRRRL (VA Streamline Refinance) — Lower the rate on the VA loan you already have — light paperwork, usually no new appraisal.
• FHA Refinance — Refinance with FHA's flexible credit and equity rules.
• Debt-Consolidation Refinance — Fold high-interest debt into one lower monthly payment.
• Hard Money & Bridge Loans — Close in days on the strength of the deal — flips, bridges, and time-sensitive purchases.
• Commercial Real Estate Loans — Apartments of 5+ units, mixed-use, and business property — financed with the same straight talk.