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Construction and Bridge Loans - Need a loan for building a custom home?

Debt Consolidation - Lower your monthly payments.

FHA & VA Loans - Want more information on government loans?

First Time Buyers - First time buying? We have a program for you!

Refinance - Planning to refinance your home loan?

Purchase Loans - Looking forward to purchasing a home?

Second Mortgages - Need to pull out another mortgage?

No Down Payment - Put zero down on a home.


100% Financing Loan - No down payment for borrowers with good credit.

Adjustable Rate Mortgages (ARM) - About ARM interest rates fluctuating

Balloon Mortgages - Allows low monthly payments and interest rates.

Fixed Rate Mortgages - Lock into a guaranteed rate.

Full Doc and Stated Income - This type of loan usually offers low rates.

Introductory Rate ARMs - More information on ARMs.

Reverse Mortgages - This converts equity into cash.

Types of Standard ARMs


Toll Free: 800.400.4863
Main Telephone: 949.797.9188
Fax: 949.797.9189
License #00954296
Email: [email protected]


FHA & VA Loans


Get into a loan with the lowest down payment

If you meet the qualifications, you may be eligible for a mortgage that requires little or no down payment. FHA (Federal Housing Administration) and VA (Veteran's Administration) mortgages are government-backed programs that offer fewer restrictions than conventional mortgages.

For first-time homebuyers and active or veteran military personnel, an FHA or VA loan can be a great mortgage solution with benefits that include:

  • Low down payments (FHA offers as low as 3% of the purchase price)
  • Larger mortgages to finance larger homes
  • Options for seller to pay the purchase points or closing costs
  • Cash gift allowed for down payment
  • Availability of 15 or 30-year term

FHA mortgages are available as both fixed and adjustable rate mortgages.The VA offers mortgages that are fixed rate only.


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