Loan Programs

Find Your Perfect
Mortgage

We offer every major loan type with access to 200+ wholesale lenders. Our technology matches you with the best program for your situation.

Conventional Loans

The most popular loan type. As low as 3% down with competitive rates for borrowers with good credit.

  • Fixed & adjustable rates
  • 3% minimum down payment
  • PMI drops at 20% equity
Learn More
First-Time Buyers

FHA Loans

Government-backed loans with flexible credit requirements. Perfect for first-time buyers or those rebuilding credit.

  • 3.5% down with 580+ credit
  • Credit scores as low as 500
  • Gift funds for down payment
Learn More

VA Loans

Zero down payment with no PMI for eligible veterans, active duty service members, and surviving spouses.

  • $0 down payment
  • No monthly PMI
  • Competitive rates
Learn More

Also available: Jumbo Loans • Non-QM & USDA Loans • Investment Property • Refinance

View All Loan Programs
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Your Dream Home Awaits Explore loan programs tailored to your goals
Our Platform

Cutting-Edge
Technology

We built an entire technology ecosystem from the ground up. From your first rate quote to closing day, every step happens on our proprietary platform.

Quick Quote Tool

Get instant rate quotes from 200+ lenders in under 60 seconds. No credit check, no obligation.

Online Application Portal

Complete your full mortgage application online with secure document upload, messaging, and real-time status tracking.

Realtor Partner Portal

Real estate agents get a dedicated portal with instant pre-approvals, live loan tracking, and co-branded marketing tools.

Bank-Grade Security

256-bit AES encryption, SOC 2 Type II compliance, and multi-factor authentication protect every transaction.
Theós Platform Ecosystem
quote.theosfinancial.com Quick Quote
apply.theosfinancial.com Apply Online
Realtor Portal Realtor Portal
Loan Officer Tools Loan Officers
Processing Hub Processors
All systems operational
Professional mortgage consultation
Expert Guidance at Every Step From pre-approval to closing day
How It Works

Simple. Fast.
Transparent.

From your first rate quote to closing day — our platform handles everything. See the full process

01

Get Your Quote

Use our Quick Quote tool to compare rates from 200+ lenders in under 60 seconds. No credit check required.

02

Get Pre-Approved

Our online application takes minutes, not days. Upload documents securely and chat directly with your loan officer.

03

Find Your Home

Work with our Theós Realty team or your own agent. We handle mortgage and real estate under one roof.

04

Close & Celebrate

E-sign your documents and close your loan — often in as few as 14 days. Learn about closing costs

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Every Home, Every Budget Financing solutions for properties of all sizes
Resources

Tools &
Guides

Everything you need to make informed decisions about your home purchase or refinance.

Home Buyers Guide

10-step roadmap from your first search to getting the keys. Everything a first-time buyer needs to know.

Read the Guide

Mortgage Calculators

Interactive tools to calculate your payment, check affordability, and compare renting vs buying.

Payment Calculator

Santa Clarita Guide

Explore Valencia, Saugus, Canyon Country, and more. Schools, lifestyle, and real estate market insights.

Explore the Area

More: Affordability Calculator • Rent vs Buy Calculator • Refinance Guide • First-Time Buyers • FAQ

About Theós

Mortgage & Real Estate
Under One Roof

Theós Financial handles the entire home buying journey — from finding your home with Theós Realty to closing your mortgage with our cutting-edge technology platform. Led by Peter, Principal Mortgage Broker, and Lina Girgis, Lead Real Estate Agent, we offer a seamless experience you won't find anywhere else in the Santa Clarita Valley.

Our name comes from the Greek word for "divine" — reflecting our commitment to an exceptional standard of service. Learn more about our team and mission.

Meet Our Team
Theós Realty
Our Technology
Santa Clarita Valley
Theós Financial team celebrating a successful closing
Beautiful California home with palm trees
Life in Santa Clarita Valley The best of California living — right at your doorstep
Get Started Today

Ready to Start Your
Mortgage Journey?

Get a free rate quote in 60 seconds, or talk to Peter directly about your home financing goals.

Get Your Rate quote.theosfinancial.com
Call Peter 661-812-3950
From Our Blog

Latest
Articles

Expert mortgage insights, market updates, and home buying tips from the Theos Financial team.

10 Tips for Buying Your First Home in 2026

Essential advice from budgeting and pre-approval to inspections and closing — everything first-time buyers need to know.

Read Article

Is Refinancing Worth It?

Learn how to calculate your break-even point and determine if refinancing makes financial sense in today's rate environment.

Read Article

Santa Clarita Housing Market 2026

Local market trends, median prices by community, and buyer tips for the Santa Clarita Valley.

Read Article