Mortgage
Loan Programs
From conventional to government-backed, we offer a full suite of mortgage programs to fit every buyer's situation, budget, and goals.
The Right Loan for Every Buyer
Not all mortgages are created equal. The right loan program depends on your credit profile, down payment, property type, and long-term financial goals. Our team will help you compare your options and choose the program that saves you the most money over time.
We're approved to originate loans across all major program types — conventional, FHA, VA, Jumbo, and construction — giving you access to the broadest possible range of options.
Conventional Loans
The most common mortgage type, backed by Fannie Mae or Freddie Mac. Ideal for buyers with good credit and a down payment of 3–20%. Competitive rates and no upfront mortgage insurance premium.
- Down payment as low as 3%
- No upfront MIP
- PMI removable at 20% equity
FHA Loans
Government-backed loans insured by the Federal Housing Administration. Great for buyers with lower credit scores or smaller down payments. More flexible qualifying guidelines than conventional.
- Down payment as low as 3.5%
- Credit scores from 580+
- Higher debt-to-income ratios allowed
VA Loans
Exclusive to eligible veterans, active-duty service members, and surviving spouses. VA loans offer exceptional terms — including zero down payment and no private mortgage insurance.
- Zero down payment
- No PMI required
- Competitive interest rates
Jumbo Loans
For loan amounts that exceed conventional conforming limits — typically above $766,550 in most California counties. Ideal for luxury properties and high-value San Diego real estate.
- Loan amounts above conforming limits
- Primary, second home, and investment
- Fixed and adjustable rate options
Construction Loans
Short-term financing for building a new home from the ground up. Our one-time close construction-to-permanent loans combine the build and permanent mortgage into a single streamlined process.
- One-time close available
- Interest-only during construction
- Lot purchase financing included
Not Sure Which Program Is Right for You?
Our team will compare your options and recommend the best fit — at no cost and no obligation.
Find My Loan Program