Conventional
Flexible options for qualified buyers purchasing a primary home, second home or investment property.
Residential mortgages
A home loan should fit the life around it.
Clear guidance for California homebuyers and homeowners—from the first strategy conversation through underwriting and closing.
Loan options
Start with the goal, then choose the program.
Every recommendation depends on the full borrower and property profile. The options below are conversation starters—not promises of approval or quoted terms.
FHA
Lower-down-payment financing with program-specific mortgage insurance and property requirements.
Non-QM
Alternative documentation paths for qualified self-employed borrowers, investors and complex income profiles.
Refinance
Evaluate payment, term, cash-flow and equity goals before deciding whether a new loan makes sense.
Reverse mortgage
For eligible homeowners seeking to understand how home equity may support retirement planning.
Bridge options
Short-term financing strategies that may help coordinate a purchase and the sale of another property.