LOAN TYPES
- PURCHASE (1-4 units)
- Conventional Loans
- Conforming ($333,700 or less)
- Jumbo (over $333,700)
- Super Jumbo (over $650,000)
- Sub-Prime (credit problems)
- Institutional (specialty programs)
- High LTV (97% to 107%)
- Government Loans
- FHA (Federal Housing Admin.)
- 203(b) Low Down
- 203(k) Rehabilitation
- VA (Veteran's Administration)
- 100% Financing
- Jumbo VA (over $240,000)
- Cal-Vet
- Cal-Vet VA
- Cal-Vet 97
- Cal-Vet 80/20
- REFINANCE
- Conventional Loans
- Rate and Term
- Cash Out
- Home Improvement
- Debt Consolidation
- Cash in Hand
- Government Loans
- FHA (Federal Housing Admin.)
- Streamline
- Streamline with appraisal
- Regular Refinance
- Cash-out
- VA (Veteran's Administration)
- Interest Rate Reduction Refinance (IRRR)
- Cash-out
- Regular Refinance
- Cal-Vet
- Second or Third Mortgages
- Equity Line of Credit (HELOC)
- 125% (no equity)
- Home Improvement
- Debt Consolidation
- Cash in Hand
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ADD-ON PROGRAMS & 2nd's
SPECIALTY LOANS
- Commercial Loans
- Investment Properties (NOO)
- Cal-PERS (Public Employees)
- Cal-LRS (Lawyers)
- Cal-JRS (Judges)
- Cal-STRS (State Teachers)
- Apartments (5+ units)
- Interest Only Payments
- Second/Vacation Homes
- As Is Sales
- Limited Documentation
- No Income Verification
- No Income or Assets (NINA)
- Stated Income
- Bank Statements
- 100% Plus Financing
- Less Than Perfect Credit
- Debt Consolidation
- 125% Second Mortgages
- Land Loans
- Construction Loans
- Double Close
- Single Close
- Home Equity Lines
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