Loan Programs:

FHA loan

FHA loan programs are available from a minimum 500 fico score. You may FHA Loansconsider FHA 3.5% down from a minimum 580 fico score. Your scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

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Conventional loan

Conventional loan programs are available from as low as 3% down from a minimum 620 fico score.

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Jumbo loan

Jumbo loan programs are available from a minimum 540 fico score up to 2 mil loan amount. We offer low down payment jumbo loans to provide buyers the flexibility needed to purchase their dream home. We offer jumbo purchase options from 5% down for a qualified buyer.

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USDA RURAL zero down program

USDA Rural zero down loan programs are available to purchase homes in USDA eligible areas. We are currently only licensed to lend and fund the USDA Rural only in California. You may consider USDA Rural from a minimum 580 fico score.

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Do you have down payment and closing costs?

We offer down payment and closing cost assistance loan programs choices in California only to choose from depending on your qualifications.

California DPA Programs, Learn More

Why rent when you may qualify to buy with minimal out of pocket expenses and pay less than rent with down payment and closing cost assistance programs in CA so inquire now.

VA loans or CalVet Loans

Are you a veteran looking for VA or CalVet Loans

VA Loans or CalVet Loan programs

We have banks that lend to borrowers with low scores under 620 fico scores for VA loan progrmas or manual underwriting for the more complicated files. VA or CalVet loan programs are not fico score driven loan programs but you will need fair credit.

I am a Navy Veteran and have 25 years experience packaging and submitting VA and CalVet loans for Approval. We can get your VA or CalVet loan funded so don’t hesitate to call me.

We offer VA financing in *13 states and CalVet financing in California only. (*CA)

VA Learn More       CalVet Learn More

VA/CalVet Loan Application       VA Needs List

Next Steps…

You may qualify to buy and pay less than rent or refinance to a lower rate and payment so inquire now for the loan program to fit your needs. We have the loan program to fit your needs so contact us now. Here is a needs list / VA needs list to gather for Pre-Approval/DU Approval. You may call 760-486-4225 or email HomeLoans4U@live.com or Frank Shaw 760-927-9300 Contact us or fill in this Loan Application


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