VA Home Loans- Thank You for Your Service

VA introduced higher loan limits in 2014! Some California Counties as high as $1,050,000

  • Standard VA loan scores down to 620 FICO
  • Jumbo VA now to $1,500,000 with 700 FICO
  • 100% rate and term refinances
  • 2yr BK and Foreclosure ok

FHA Home Loans Help Discover Home Ownership at a LOWER Cost

If you meet the qualifications, you may be eligible for a loan that requires little or no down payment. FHA (Federal Housing Administration) and VA (Veteran’s Administration) loans are government-backed loan programs that offer fewer restrictions than conventional mortgages.

For first-time homebuyers and active or veteran military personnel, an FHA or VA loan can be a great mortgage solution with benefits that include:

• Low down payments (FHA offers as low as 3.5% of the purchase price, VA 100% financing)

• Options for seller to pay the closing costs

• Cash gift allowed for down payment

• FHA financing allows for flip properties from sellers that have owned the home under 90 days

• Cash Out Refinances to 96.5% of your home’s value

FHA Streamline Refinance

For the most current information regarding an FHA streamline refinance  please contact me below.


FHA 203k Home Construction & Remodel Loan

Full 203k which can encompass major construction and repairs up to your county’s specified loan limits and take the place of Construction and Home Remodeling needs. Allowed Improvements include:

• New Plumbing

• Room Expansions

• Roofs

• and much, much more

If your project is not so big and you just need some basic improvements up to $35,000 around the house or updating you may want to check out the streamlined version. This will allow:

• Energy Efficient Improvements

• Kitchen Remodels

• Carpet, flooring, windows

• Just to name a few


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