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FHA

Very Popular

3% Down Payment, 600+ Credit Score, Higher Debt Allowance

CalHFA

Specialty Program

1st Time Buyer, Down Payment Assistance, Lower Income & Credit Guidelines

Bank Statement Loans

No Tax Returns

Can show income but have consistent deposits, up to 3 Mil, Interest Only Avaibale

CONVENTIONAL

Traditional

Moderate Credit, Down Payment as low as 5%, Terms of 30, 20 & 15

Jumbo

Over $680,000

Good to Excellent Credit, as low as 10% Down, Up to 3 Mil Loan

VA

Military Only

Low Credit Scores, up to 100% Financing, No MI, 30 or 15 Years 

Piggy Back 80/10/10

Avoid Mortgage Insurance

80% 1st, 10% 2nd, 10% Down, Jumbo Amounts Available

Hard Money

Short Term Solution

up to $500,000, Usually 24 Months, Interest Only, Higher Rates & Fees