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Loan Products

Property Types        California Properties Only

30 & 15 Year Fixed Rates

Single Family Residences

Conventional

Condominiums

Jumbos to $3,000,000

Multi-Family, 1-4 units

FHA

Owner Occupied properties

VA

Investment Properties

Adjustable Rate Mortgages

Second Homes

Interest only Mortgages

Vacation Homes

3,5,7,& 10 Year         Adjustable Rate Loans

 

 

 

                     

 
Fixed and Adjustable Rate Loans

Fixed and Adjustable Rate Loans

Conventional Loans Jumbo Loans to $3,000,000 FHA Loans VA Loans Owner Occupied or Investment properties (1-4 units) Single Family Residences, Condominiums, Planned Unit Developments(PUDs), 1-4 units. From Perfect Credit to those challenged with past credit issues. Credit scores from 500 to 890 ARMS are fixed for 3, 5, 7, or 10 years with monthly payments fully amortized or interest only payments. Index 1 Yr Libor, Margin 2.25%, Caps 2-2-6 (first adjustment after initially fixed period is 2%, all following adjustments are 2%, with a life time cap of 6%).

 
Credit - Income - Assets are key components in determining your interest rate. Final rates may be improved upon once the Credit, Income, and Assets have been determined.



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $424,100 with closing costs of $8,482. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $3,000,000 with closing costs of $60,000. Your actual APR may be different depending upon these factors.