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Purchase Home Loans

Find the Right Loan for Your New Home

Whether it's your first home, your next move, or a second property — we'll match you with the right program and rate.

Loan Programs

Five Purchase Programs We Offer

Most Common

Conventional

Standard 3-20% down, competitive rates, great for qualified buyers with steady income.

First-Time Friendly

FHA

3.5% down, flexible credit requirements — government-backed and widely accepted.

Veterans

VA

No down payment, no PMI, competitive rates for eligible service members and veterans.

Rural Areas

USDA

0% down for qualifying properties in rural and suburban zones across California.

Higher Loan Amounts

Jumbo

For properties above conventional loan limits — great rates for strong borrowers.

At a Glance

Compare Loan Programs

Loan Type

Min. Down Payment

Min. Credit Score

Best For

Convent
ional

Conventional

620

Buyers with strong credit

FHA

3.5%

580

First-time buyers

580

Veterans & active military

USDA

640

Rural and suburban homes

Jumbo

10–20%

700

Higher-priced properties

How It Works

Our Three-Step Approach

Most lenders rely on rigid guidelines. Our team takes a different approach — flexible, strategic, and designed around your actual financial situation.

1

Connect

Share your goals and financial picture in a 15-minute call.

2

Strategize

We match you with the right program and lock in a competitive rate.

3

Execute

We guide you from application to closing — typically 30-45 days.

Leadership That Sets the Standard

Let’s talk about where you are — and where you want to go.

Mortgages. Real Estate. Finance.