Loan programs
Every path that gets you to the closing table.
The product follows the file. Conventional, FHA, VA, USDA, jumbo, and hard money — we shop it and pick the path that actually approves.
3.5% down · 580 credit
FHA Loans
The workhorse for first-time California buyers. Lower credit, smaller down payment, and we check you for California down-payment assistance.
Zero down · no PMI
VA Loans
The most powerful benefit most veterans never fully use. $0 down, no monthly PMI, and competitive rates we shop across lenders.
3% down · 620 credit
Conventional
Fannie and Freddie programs for buyers with cleaner credit. First-time 3% down options, PMI that drops off, and jumbo when you need it.
Zero down · eligible areas
USDA Loans
If the property sits in a USDA-eligible pocket of Riverside or Orange County outskirts, you may buy with $0 down and a modest income cap.
High-balance & jumbo
Jumbo & High-Balance
California home prices often blow past conforming limits. We place high-balance and true jumbo loans so your offer is taken seriously in Riverside, Orange, and Los Angeles counties.
Close in days, not months
Hard Money & Portfolio
Fix-and-flip, bridge, land, and commercial when the bank says no. Asset-based, speed-first, and built for investors who already have the deal.
Ready when you are.
Pre-qualify online, book 30 minutes with Josue, or call the desk. Evenings by appointment.
Prefer text? (951) 227-1173