California Residential Home Loans
Home Loan Programs
Our goal is to help our clients make the most informed financial decisions possible. A mortgage loan is the only tax deductible debt available to home owners today. We have access to a myriad of home loan programs from nearly 300 lenders who fund loans in the state of California. Our focus however is not simply to find the best "rate" for our clients, but to find the right loan to help our clients meet their financial and life goals sooner rather than later.
We facilitate conventional, sub-prime, and private financing for many of our clients on primary residences, 2nd homes, and income properties, like apartment buildings (multi-family properties). We have access to more programs and niche residential lenders than the vast majority of mortgage brokers and bankers currently serving the California market. If you are seeking private or conventional financing on your residential property, we would love to see if we can help you. Our motto is simple, if we can help you we will tell you, if we can't we will tell you. To get us better acquainted with your financing goals, please fill out our quick information form.
Residential Loan Program Highlights
- Private Money Loans Available
- 1 to 50 Year Amortization Programs Available
- 1 to 30 Year Fixed Rate Loans Available
- Interest Only Loans Available
- Pay Option Adjustable Loans Available (Pay Option ARMs)
- Negative Amortization (tap the equity in your home) Loans Available
There are a myriad of loan programs offered by hundreds of different lenders. Contact us for a no obligation consultation on what type of loan may be best for your current situation. Click here to get the ball rolling.
Notes on Option ARM Loans
Recently there has been a lot of negative press about Option ARM or Pay Option Loans. These are very advanced loan products and unfortunately, they have been used by many as a vehicle to purchase a home. Typically, this is not the correct use of a Pay Option loan. Pay Option ARMs can be a great tool to help certain property owners to tap the equity in their property when they need to, typically not from day one. These loans require that the loan originator and the borrower both have a good understanding of exactly how the loan product is structured (there are different types of Pay Option loans to boot) and how each payment option can affect the principal balance of the loan as well as how long the borrower will have all of the payment options AND when the loan will adjust.
We have spent a great deal of time with lenders and educators to learn all of the ins and outs of Pay Option Loans and Hybrid Option ARM loans (offering a fixed period) and have created a service to help people with these loans understand exactly what to expect from them called Recast Review. Recast Review details all of the loan parameters and shows the borrower in writing how their payment affects the balance of their loan, their loan payment options and loan payment in writing. This service is offered free of charge for anyone with an Option ARM / Hybrid Option ARM loan. Please see our loan services page for more information.
Recent Residential Loan Transactions
Please take a look at some of the recent residential transactions we have completed.