Inland Empire residents can take advantage of FREE notary service this December.
Loan Programs
FHA Loan
Flexible. Affordable. Accessible.
FHA loans offer low down payments and more forgiving credit requirements, ideal for first-time buyers or those rebuilding credit.
Highlights:
- Down payments starting at 3.5%
- Flexible credit guidelines
- Gift funds allowed
- Great for entry-level buyers
Good for Sellers:
FHA buyers are often fully approved and ready to move quickly.
Conventional Loan
Competitive Terms for Stronger Credit
Conventional loans reward solid credit and stable income with better terms and lower long-term costs.
Highlights:
- As little as 3% down
- No upfront mortgage insurance
- PMI can be removed
- Ideal for strong-credit buyers
Good for Sellers:
Often the cleanest, most straightforward financing type.
Down Payment Assistance
Help With Upfront Costs
Local and statewide programs can assist qualified buyers with downpayment or closing costs.
Highlights:
- Grants or deferred loans
- Works with FHA or Conventional
- Helps buyers enter the market sooner
Good for Sellers:
DPA buyers can still be strong, well-qualified candidates.
Refinancing
Homeowners can refinance to lower their payment, improve loan terms, or access equity. Here are the most common options:
- Rate or Term Refinance
- Lower your rate, reduce your payment, or shorten your loan term.
- Cash-Out Refinance
- Access a portion of your equity for improvements, debt consolidation, or major expenses.
- Home Equity Loan
- A fixed-rate loan that provides a one-time lump sum with predictable monthly payments.
- HELOC (Home Equity Line of Credit)
- A flexible line of credit that allows you to borrow as needed, based on your home’s equity.
Loan options and eligibility vary. This information is general and may change. Contact for guidance based on your financial situation.