Loan Programs
First-Time Homebuyer Programs
Although First-Time Homebuyers are finding it increasingly difficult to afford a new home, there are many programs available to make affording your first home much easier. While down payment assitance and government programs are still available, unfortunately, they are limited to lower loan amounts that may be well below the average home price in areas like... more
Option ARMs
Option ARMs are powerful loans providing borrowers the opportunity to manage thier cashflow with up to four different payment options. However, in the hands of an unethical broker and unwary borrower, the can be dangerous...more
No Money Down and 100%+ Financing
Buying homes in California with no money down has not only become more popular, it has almost become the norm for first-time homebuyers. With an average home price in California of more than $500,000, few first-time homebuyers can come up... more
Reduced Doc
Are you self-employed? Do you earn tips or have difficulty proving your income, or have been on the job for less than a year, you may want to consider a loan with reduced documentation. You can borrower up to 100% with a... more
Interest Only
In the last few years, Interest Only Loans have become more popular with homeowners as well as homebuyers. An Interest Only Loan allows the borrower to make a payment that does not include principal, the borrowers also qualify based on the Interest Only payment. Interest Only Loans can save borrowers... more
Less than Perfect Credit
Do you have less than perfect credit? Have you been late on some bills? Do you have judgements, collections or liens? Do you have a bankruptcy or foreclosure in your past? No worries. My specialty is borrowers who have had prior credit issues. Can I help everyone? No. Can I help most?... more
Construction Loans
Obtaining a Construction Loan is more complex and time consuming than conventional loans. Learn about the different types of Construction Loans and more.
Investment Properties
Financing Investment Properties requires special attention often overlooked by typical mortgage brokers. Learn how working with an experienced mortgage broker can save time, money and more.
Small Commercial Loans
Small Commercial Loans and other Commercial Loans typically require larger down payments and more documentation than a residential loan. An experienced commercial mortgage broker can help you understand the nuances and requirements of commercial lenders. Learn about theDCR, commercial appraisals, and more.
Bankruptcy Buyouts
Are you currently in a Chapter 13 bankruptcy? I may be able to help. I have a few lenders who can refinance your home to pay off... more
Foreclosure Buyouts
Are you currently in default on your mortgage and facing foreclosure? If you have been late for more than 3 months or have recieved a Notice of Default you are risking foreclosure. Although this is a difficult time ... more