Every program, on one page.
Agency loans priced where they belong, and the programs most lenders don’t offer for the files most lenders decline. Each one has its own page with the scenarios it fits, what to consider and the questions people ask.
Start here
The three destinations most people arrive looking for.
Home purchase
Conventional, FHA, VA, jumbo and down-payment assistance, with a pre-approval that has been underwritten before the letter goes out.
FeaturedRefinance
Lower the payment, shorten the term or take cash out, with the before-and-after on the table before you decide.
FeaturedDebt consolidation
Replace high-rate consumer debt with one fixed payment, with the risks of securing it against your home explained first.
Buying a home
Agency, government and jumbo financing, and the programs that help with the down payment.
Conventional
Fannie Mae and Freddie Mac financing with agency pricing for documented income, including high-balance for Los Angeles County.
FHA loans
Lower down payments and flexible credit guidelines for purchases and refinances, insured by the Federal Housing Administration.
VA loans
Zero-down purchase and refinance options for eligible veterans, service members and surviving spouses, with no monthly mortgage insurance.
FeaturedJumbo
Loan amounts above the county conforming limit for higher-value homes, with underwriting that reads the whole financial picture.
Down-payment assistance
CalHFA and local assistance paired with an FHA, VA or conventional first mortgage to cover part of the down payment or closing costs.
Non-traditional credit
A documented history of rent and bills paid on time can stand in for a credit score.
Using your equity
Borrow against the home you own without touching the first mortgage you have.
Self-employed and investors
Qualify on deposits, on assets or on the property's rent instead of tax returns.
Bank statement
Self-employed income documented with 12 or 24 months of deposits instead of tax returns.
Asset depletion
Qualify on liquid assets when the income on paper does not tell the story.
FeaturedDSCR investor
Investor financing qualified on the property's rental income rather than personal tax returns.
Specialty property
Parcels and situations that standard guidelines turn away.
Don’t see your situation?
Commercial property, a notice of default, a mixed-use building, a loan a bank already declined. Troy has probably placed one like it. The first call is the fastest way to find out.
- Property types
- 5+ unit apartments, mixed-use, owner-occupied commercial
- Underwriting
- Net operating income and sponsor strength
- Pricing
- Quoted in writing after the first call
- Where
- California