VA HOME LOAN

 Refinance up to 100% of appraised value

 Cash-out available up to 100% of appraised value

 Reduce your current rate with no income qualifying AND no appraisal

 Flexibility in qualifying and credit scores

 NO monthly mortgage insurance required

FHA HOME LOAN

 Refinance up to 97.75% of appraised value

 Reduce your current rate with no income qualifying AND no appraisal

 Cash-out available up to 85% of appraised value

 Flexibility in qualifying and credit scores

CONVENTIONAL HOME LOAN

 Refinance up to 95% of appraised value

 Cash-out up to 80% of appraised value

 Can be used to remove your current monthly mortgage insurance

 Streamlined loan process

REVERSE MORTGAGE HOME LOAN

 Eliminate your mortgage payment for the rest of your life

 Must be 62 years old or over

 Use your home equity to pay yourself monthly

 Take out a one-time lump sum withdrawal or create an equity line

JUMBO LOANS

 Loan amounts up to $3 million

 Terms vary depending on loan to value and loan size

SPECIALTY LOANS

•  Stated Income (Larger down payment required - Higher interest rate)
• Alternative Financing (Bank statement qualifying)

Home Loans for Refinance in California

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