Conventional loans are the gold standard in residential financing. If you have well established credit and at least 3% saved for a down payment, a conventional loan might be a good choice.
Less demanding eligibility requirements make FHA loans some of the easiest loans to obtain. They're a popular choice for first time home buyers and borrowers with less-than-perfect credit.
Are you or your spouse active or retired military? If so, you may be eligible for zero down financing when they buy a home using a VA loan. Great interest rates and low minimum credit score requirements are an enticing benefit of this popular government loan option.
If you live in a rural or suburban areas of California you may be able to take advantage of a USDA loan to purchase your home. Benefits include zero down and lower mortgage insurance costs than other government backed loans.
Non-traditional lenders offer an alternative to traditional conforming and government backed loans.These independent loan sources provide financing solutions for those who might otherwise have a tough time getting approved for a loan using mainstream methods.
Questions about home loans?
The easiest way to get reliable answers to your loan questions is to talk to a knowledgable mortgage advisor who can quickly evaluate your unique situation and offer solutions customized to your needs.
Empower yourself with knowledge to make smart decisions. These helpful tools and resources will help you enjoy the process of getting a home loan, and feel confident in your future financing choices.
Point Equity Residential Lending, NMLS ID 1404205; www.NMLSConsumerAccess.org. Main Office located at 925 Highland Pointe Dr. Suite 330, Roseville, CA 95678. Telephone Number: 916-248-4620. Equal Housing Lender. Licensed in CA by Dept. of Business Oversight under the CA Finance Lenders Law, 56023, and the CA Dept. of Real Estate under the CA Real Estate Law, 01987090. Information, rates, and programs are subject to change without notice and may not be available in all states. This is not an offer to enter into an agreement. All products are subject to credit and property approval.
All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.