Your Journey to
Homeownership
Whether you are a first-time buyer or a seasoned investor, Theós Financial provides the expertise, technology, and loan programs to get you into your dream home. Explore our complete suite of purchase loan options and start your journey today.
Last updated: March 2026
Find Your Perfect
Loan Program
Every borrower is unique. That is why we offer access to every major loan type through 200+ wholesale lenders. From conventional financing to government-backed programs, we will match you with the ideal option for your financial situation. Use our mortgage calculator to estimate your monthly payments.
Conventional Loans
The most popular loan type for buyers with good credit. Down payments as low as 3% and competitive rates with fixed or adjustable terms.
- As low as 3% down
- PMI drops at 20% equity
- Fixed & adjustable rates
FHA Loans
Government-backed with flexible credit requirements. Just 3.5% down with a 580+ credit score — ideal for first-time buyers and those rebuilding credit.
- 3.5% down with 580+ credit
- Scores as low as 500 accepted
- Gift funds allowed
VA Loans
Zero down payment, no PMI, and competitive rates exclusively for veterans, active duty service members, and eligible surviving spouses.
- $0 down payment
- No monthly PMI
- Flexible credit guidelines
Jumbo Loans
Financing for luxury and high-value properties exceeding conforming loan limits. Ideal for buyers in premium Santa Clarita neighborhoods.
- Loan amounts over $766,550
- Competitive jumbo rates
- Various down payment options
Non-QM & USDA
Alternative documentation programs for self-employed borrowers, bank statement loans, asset-based lending, and USDA rural development financing.
- Bank statement programs
- Asset-based qualification
- USDA 0% down (rural)
Investment Property
Build your real estate portfolio with specialized financing for rental properties, multi-unit buildings, and investment homes throughout the Santa Clarita Valley.
- Rental property financing
- Multi-unit up to 4 units
- DSCR loan programs
Explore all options: View All Loan Programs | Not sure which is right? Get a personalized recommendation
How to Buy
Your Home
From your first rate quote to getting the keys, our team guides you through every step. Read our comprehensive Home Buyers Guide for a deep dive into the full process, or follow the steps below to get started today.
Check Your Rates
Start with our Quick Quote tool to see real-time rates from 200+ lenders. No credit check, no obligation. Use the mortgage calculator to estimate monthly payments based on your target home price.
Get Pre-Approved
A mortgage pre-approval shows sellers you are a serious buyer. Gather your required documents and apply through our secure online portal. Most pre-approvals are completed within 24 hours.
Find Your Home
Work with our sister company Theos Realty, led by Lina Girgis, or your own agent. Explore neighborhoods in Valencia, Saugus, Canyon Country, and the greater Santa Clarita Valley.
Close & Get the Keys
Review your closing costs, sign your documents electronically, and close your loan — often in as few as 14 days. Welcome home.
Everything You Need
Before You Buy
Knowledge is power — especially when making the biggest purchase of your life. Our guides, calculators, and tools help you make informed decisions at every stage. Whether you need to understand closing costs or check current mortgage rates, we have you covered.
Home Buyers Guide
Our comprehensive 10-step roadmap covers everything from checking your credit to getting the keys. The ultimate resource for buyers at every experience level.
Read the GuideFirst-Time Buyers
Buying your first home is exciting but can feel overwhelming. This guide breaks down the process into simple steps with tips on down payment assistance and programs designed for you.
Get StartedDocuments Required
Know exactly what paperwork you need before you apply. Our checklist covers income verification, asset documentation, identification, and more.
View ChecklistMore resources: Mortgage Calculator • Closing Costs Explained • Current Rates • Home Buying Tips • FAQ
Ready to Buy
Your Dream Home?
The team at Theos Financial is ready to guide you through every step. Led by CEO Peter Girgis (NMLS# 381600), our experienced loan officers — including Hani Eid, Khaled Saleh, and Christina Boktor — bring decades of combined experience to help you secure the best possible financing. Our sister company Theos Realty, led by Lina Girgis, can also help you find the perfect home in the Santa Clarita Valley.
Start with a free rate quote — no credit check, no obligation. Or call Peter directly at 661-812-3950 to discuss your home buying goals. You can also visit us at our Valencia office at 23734 Valencia Blvd, Suite 206.
Buying in the
Santa Clarita Valley
As a locally rooted brokerage based in Valencia, we know the Santa Clarita Valley inside and out. From award-winning schools to master-planned communities, this is one of the best places to call home in Southern California. Explore our community hub to learn more about life in the valley.
Santa Clarita Guide
Everything you need to know about living in the Santa Clarita Valley — from neighborhood profiles to market data and local amenities.
ExploreTheós Realty
Mortgage and real estate under one roof. Lina Girgis and the Theos Realty team help you find the perfect home while we handle the financing.
Learn MoreHome Valuation
Get an instant estimate of any property's value in the Santa Clarita Valley. Useful for both buyers and sellers navigating today's market.
Get EstimateExplore neighborhoods: Valencia • Saugus • Canyon Country • All Communities
Mortgage
Calculator
Adjust the sliders to estimate your monthly payment. Then get your personalized rate from 200+ lenders.
More tools: Affordability Calculator • Rent vs Buy Calculator • Current Rates