Loan options
Loan programs for every borrower
Whether you're buying your first home, moving up, or refinancing, I'll match you with the right loan — and explain exactly why it fits.
Conventional Loans
Flexible financing for strong-credit buyers
Conventional loans are the most common mortgage type — not backed by the government, but offering competitive rates and flexible terms for borrowers with solid credit and stable income.
What to know
- Down payments as low as 3%
- No upfront mortgage insurance with 20% down
- Loan amounts up to $766,550 (conforming limit)
- Fixed or adjustable rate options
- Best for: buyers with 620+ credit score
Best for: First-time and move-up buyers with good credit
FHA Loans
Lower barriers, bigger opportunities
Backed by the Federal Housing Administration, FHA loans are designed to help buyers with lower credit scores or smaller down payments get into a home sooner.
What to know
- Down payments as low as 3.5%
- Credit scores as low as 580 accepted
- More flexible debt-to-income ratios
- Available for single-family and multi-unit homes
- Best for: buyers rebuilding credit or saving for a down payment
Best for: First-time buyers or those with lower credit scores
VA Loans
A powerful benefit you've earned
VA loans are exclusively available to eligible veterans, active-duty service members, and surviving spouses. They offer some of the best terms available — including zero down payment.
What to know
- 0% down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- No prepayment penalties
- Best for: eligible veterans and active-duty military
Best for: Veterans, active-duty service members, and surviving spouses
Jumbo Loans
Financing for California's premium market
Jumbo loans cover properties that exceed the conforming loan limit — common in California's high-cost markets. They require stronger financials but offer the purchasing power you need.
What to know
- Loan amounts above $766,550
- Competitive rates for qualified borrowers
- Fixed and adjustable rate options
- Primary, secondary, and investment properties
- Best for: buyers in high-cost California markets
Best for: Buyers in premium California markets like LA, SF, and San Diego
Refinance Options
Put your equity to work
Refinancing can lower your monthly payment, shorten your loan term, or tap into your home's equity for major expenses. I'll run the numbers to show you exactly what you'd save.
What to know
- Rate-and-term refinance to lower your rate
- Cash-out refinance to access equity
- FHA and VA streamline refinance options
- Break-even analysis included
- Best for: homeowners with 20%+ equity or rate improvement opportunity
Best for: Existing homeowners looking to save or access equity
Not sure which loan fits you?
Here's a quick side-by-side to help you orient — then let's talk through your specific situation.
| Loan type | Min. down | Min. credit | PMI required? |
|---|---|---|---|
| Conventional | 3% | 620 | Only if <20% down |
| FHA | 3.5% | 580 | Yes (MIP) |
| VA | 0% | Varies | No |
| Jumbo | 10–20% | 700+ | Varies |
| Refinance | N/A | 620+ | Depends on equity |
Let's find your best loan
Answer 5 quick questions and I'll show you which programs you likely qualify for — no credit check, no commitment.