Loan Programs

Real Estate Loans for Purchases, Refinance and Investment Properties.

Direct Lender

Pacific Property Loans

As a Direct Lender, we can be more effective and less expensive for borrowers, since we bypasses wholesale lender fees.

Conventional Loans

Up to High Balance County Limits

A conventional loan is a great option if you have a solid credit score and little debt plus are available with a down payment as low as 3%.

FHA Loans

3.5% Down Payment with min credit score 580.

FHA loan is the most popular government-backed home loan in the country. Con: Mortgage Insurance is high (.85%/mo.)

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Home Ready Loans

3% Down Payment with min FICO 620

Lower private mortgage insurance costs. Income from non-occupant co-borrowers to qualify. Income from non-borrowing household members helps your approval.

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Down Payment Assistance

Low to 0% Down Payment Programs

This FREE resource provides a list of California DPA in your buying area. Money for down payment is out there Check to see if you qualify:

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VA Loans

0% Down Payment

A VA loan to purchase new or existing homes with $0 down payment. Used to buy single-family homes, condominiums, manufactured homes, multiunit properties (like a duplex) and even new construction.

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Reverse Mortgages

50% Equity is Usually Required

A reverse mortgage is a type of loan for seniors ages 62 and older. Reverse mortgage loans allow homeowners to convert their home equity into cash income with no monthly mortgage payments.

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Jumbo Loans

5% Minimum Down Payment

A Jumbo loan is a home loan with an amount exceeding conforming loan limits set by the government. As of 2021, limits $753,250, $964,300, $1,165,600, $1,448,600 for 1,2,3 & 4 units.