Loan Programs
Find the Structure That Fits Your Life
W-2, self-employed, Veteran, investor, retiree — there's a right way to finance every situation. Here's the full toolkit.
VA Loans
Veterans, active-duty service members, and eligible surviving spouses
VA loans let eligible Veterans, active-duty service members, and surviving spouses buy a home with $0 down, no private mortgage insurance, and competitive rates.
Learn more →Bank Statement Loans
Business owners, entrepreneurs, 1099 contractors, and gig-economy earners
A bank statement loan lets self-employed buyers qualify for a mortgage using 12–24 months of bank deposits instead of tax returns.
Learn more →DSCR Loans
Real-estate investors — first rental to full portfolio
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the property you're buying — not your personal income, tax returns, or employment.
Learn more →Jumbo Loans
High-balance buyers in coastal Orange County
A jumbo loan is any mortgage above the conforming loan limit — which in a market like Newport Beach, Corona del Mar, or Irvine describes most of the housing stock.
Learn more →Asset Depletion
Retirees, high-net-worth individuals, and recent business sellers
Asset depletion (asset-based) loans convert your liquid assets — brokerage accounts, retirement funds, cash — into qualifying income by dividing them over the loan term.
Learn more →First-Time Buyers
First-time buyers across Orange County, LA, and the Inland Empire
First-time buyers in Southern California have more options than they think: FHA from 3.5% down, conventional from 3% down, VA at $0 down for Veterans, plus California down-payment assistance programs.
Learn more →Refinance
Homeowners optimizing rate, term, or equity
Refinancing makes sense when it accomplishes a goal: lowering your payment, shortening your term, consolidating high-interest debt, or pulling equity for investment.
Learn more →Not sure which program fits?
That's literally the job. One call and Cris will model your options side by side.
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