Residential

Mortgages come in all shapes and sizes. But the most common home loan is called a conventional mortgage. Also known as a conforming loan, conventional mortgages are not insured or guaranteed by the federal government and must adhere to the standards set by Fannie Mae and Freddie Mac, which are the governing bodies for conventional mortgage loans across the United States. Conventional loans have limits set by Fannie Mae and Freddie Mac. These limits change from region to region and are based on real estate prices and affordability.   Read More

If you are a member of the United States military -- active duty or retired -- you may be eligible for certain benefits offered through the U.S. Department of Veteran Affairs, or VA. One of the most underutilized veteran benefits is the VA home loan. While the VA does not lend money directly, it guarantees loans made by VA-approved lenders like us, making it easier for veterans to qualify for a mortgage. Learn More

A Jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. If you take out a loan over the conforming loan limit for that specific county, you will need to take out a Jumbo loan. These loans generally require slightly stricter requirements and higher interest rates to counter the higher cost of lending. For a more extensive list of the 2022 California conforming loan limits, please click here.

Home loans backed by the Federal Housing Administration (FHA) are an excellent option for homebuyers. Whether you have low income, poor or recovering credit, or haven't been able to save a large down payment, FHA offers an attractive path to homeownership. An FHA home loan is a government-backed mortgage that provides more flexibility than a standard conventional mortgage. Similar to conventional mortgage loans, FHA loans are available as 15- or 30- year fixed or adjustable-rate loans. However, there are additional costs associated with FHA mortgage loans, such as monthly mortgage insurance premiums (MIP). FHA loans also require an upfront mortgage insurance premium. Learn More

A lower payment? Pull cash out? Pay off your mortgage sooner? There are numerous reasons to refinance your mortgage and we can help you meet your financial goals. The basic of refinancing your home loan Refinancing is the act of replacing one mortgage loan with another with different terms. Homeowners use this tool for many reasons, including to lower their interest rate or to use their home's equity for other purposes. Since there are costs associated with refinancing a mortgage, it's important to know your goal when determining whether you should refinance. Read More

When applying for a mortgage, you are presented with many options. Whether you are purchasing a new home or refinancing your current home, you can choose between a standard fixed-rate home loan and an adjustable rate mortgage (ARM). Both loan options are popular for a variety of reasons.
What's the difference between a fixed-rate and an adjustable-rate home loan?
The interest rate on a fixed-rate mortgage is set when you take out the loan and does not change throughout the term of the loan. With an adjustable rate mortgage, the interest rate is typically fixed for the first 5, 7 or 10 years (depending on the type of the loan) and then the rate adjusts according to the market. For example, with a 5/1 ARM, your interest rate is fixed for the first five years and then adjusts.
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