Every Loan for Every Borrower
Every Loan for Every Borrower 200+ wholesale lenders, one perfect match
Core Programs

Primary
Loan Types

These are the most popular mortgage programs used by the majority of home buyers and refinancers. Each has unique benefits depending on your credit profile, down payment, and goals. Read our Buyers Guide or Refinance Guide for help choosing the right one.

Conventional Loans

The gold standard of home financing. Down payments as low as 3%, competitive rates, and PMI that drops automatically at 20% equity. Available in both fixed and adjustable rate options.

  • 3% minimum down payment
  • Best rates for 680+ credit
  • Purchase & refinance
Full Details
First-Time Buyers

FHA Loans

Government-backed with the most flexible qualification requirements. Perfect for first-time buyers or borrowers with lower credit scores. Gift funds accepted for down payment.

  • 3.5% down with 580+ credit
  • Scores as low as 500
  • FHA Streamline refinance
Full Details

VA Loans

The best mortgage benefit available — exclusively for those who served. Zero down, no PMI, competitive rates, and flexible credit. Purchase, refinance, and IRRRL streamline options.

  • $0 down payment
  • No monthly PMI
  • VA IRRRL streamline refi
Full Details

Jumbo Loans

Financing above conforming loan limits for luxury homes and high-value properties. Popular in premium Santa Clarita and Valencia neighborhoods.

  • Amounts over $766,550
  • Competitive jumbo rates
  • Purchase & cash-out refi
Full Details

Non-QM & USDA

Alternative programs for borrowers who do not fit traditional guidelines. Bank statement loans, asset depletion, 1099 income, foreign national programs, and USDA zero-down rural financing.

  • Bank statement programs
  • Asset-based qualification
  • USDA 0% down (rural)
Full Details

Investment Property

Build your real estate portfolio with financing for rental homes, multi-unit properties, and DSCR loans that qualify based on rental income rather than personal income.

  • 1-4 unit properties
  • DSCR loan programs
  • Portfolio & blanket loans
Full Details
Rate Structures

Fixed vs.
Adjustable Rates

Beyond choosing a loan program, you will also select a rate structure. Understanding the difference between fixed and adjustable rates is essential. Check current rate trends to see what is available today.

A

Fixed-Rate Mortgages

Your interest rate and monthly payment remain the same for the entire life of the loan — typically 15 or 30 years. Fixed-rate mortgages provide maximum predictability and are ideal if you plan to stay in your home long-term or want protection against rising rates. Most home buyers and refinancers choose this option.

B

Adjustable-Rate Mortgages (ARM)

ARMs offer a lower introductory rate for an initial period (typically 5, 7, or 10 years) before adjusting annually. They can save you money if you plan to sell or refinance before the adjustment period. Popular with buyers of investment properties and those who expect to move within a few years.

Find your perfect loan program
Specialized Solutions Programs for every borrower and every situation
Specialty Programs

Specialized
Loan Solutions

Not every borrower fits a standard mold. Our specialty programs serve unique situations — from self-employed borrowers to new U.S. residents, renovation buyers, seniors, and those working to rebuild their credit.

Self-Employed Mortgages

Qualify using bank statements, 1099s, or profit-and-loss statements instead of traditional tax returns. Designed for entrepreneurs, freelancers, and business owners.

Learn More

Reverse Mortgages

For homeowners aged 62+, a reverse mortgage converts home equity into tax-free income — with no monthly mortgage payments. Stay in your home while accessing the wealth you have built.

Learn More

FHA 203k Renovation

Buy a fixer-upper and finance the renovations in a single loan. The FHA 203k program rolls the purchase price and home improvement costs into one mortgage.

Learn More

New to the U.S.

Immigrated recently? We have loan programs for ITIN holders, foreign nationals, and new residents without a traditional U.S. credit history. Homeownership is within reach.

Learn More

Credit Repair Programs

Not quite ready to qualify? We partner with credit specialists to help you improve your score and get mortgage-ready. A roadmap to homeownership even if your credit needs work.

Learn More

Cash-Out Refinance

Tap into your home equity for renovations, debt consolidation, or major purchases. Often at rates far below personal loans or credit cards.

Learn More
Need Help Choosing?

Not Sure Which
Program Is Right?

With so many options, choosing the right loan program can feel overwhelming. That is where we come in. As an independent mortgage brokerage, we are not tied to any single lender or product — our only goal is finding the best fit for your situation. CEO Peter Girgis (NMLS# 381600) and our team of loan officers — Hani Eid, Khaled Saleh, and Christina Boktor — will review your financial profile, compare options across 200+ lenders, and recommend the program that saves you the most.

Start with our Quick Quote tool for an instant rate comparison, or dive into our Buyers Guide and Refinance Guide for in-depth education. You can also review what documents you will need, understand closing costs, or check out our FAQ for quick answers. Or simply call Peter at 661-812-3950.

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