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Explore Your Loan Options

Conventional Loan

A conventional loan is a type of loan that is not offered or secured by a government entity like the FHA or VA. Instead, these loans are made available by government-sponsored enterprises Fannie Mae and Freddie Mac.

Current conventional limits for 2021 are:

Maximum Loan Amount for 2021 are $970,800 in Los Angeles and Orange county, $647,200 in other counties in southern california. 

Jumbo Loan

For higher mortgage amounts above conventional limits, home buyers may need to go with a jumbo mortgage for financing. Since they are portfolio loans from banks and private lenders, they come with unique underwriting requirements.

FHA Loan

FHA loan is insured by the Federal Housing Administration and mostly suitable for low-to-moderate income borrowers with lower down payment and/or less than perfect credit scores.

FHA insured loans are a great option for homeowners or home buyers that have a credit score of 580 or higher. Traditional, conventional loans typically have a minimum required credit score within the 640-680 range depending on the lender, so if credit is an issue – this might be an option for you!

VA Loan

A VA loan is a mortgage loan available through a program established by the U.S. Department of Veterans Affairs (VA) (previously the Veterans Administration). With VA loans, veterans, service members, and their surviving spouses can purchase homes with little to no down payment and no private mortgage insurance and generally get a competitive interest rate.

Stated Income Loan

For more complex income situations, we offer products without verifying tax returns. With alternate income documents like bank statements, P&L statements, Verification of Employments, 1099 only, assets etc., you can still get a mortgage with larger down payments and good credit scores.

Foreign National Loan

You can still buy homes in the United States even though you are not a US citizen. With higher down payments, we allow foreign income and credit to be used to offer mortgages to non-residents.

Reverse Mortgage

Reverse mortgages are for homeowners ages 62 and older. This allows these homeowners to convert their home equity value into cash without any monthly mortgage payments.


Commercial Real Estate Loans

If you are looking to purchase or refinance commercial real estate, please feel free to contact us today. We arrange commercial real estate lending for the following property types:

• Office Buildings – These may be multi-tenant office and medical buildings or single use, owner occupied properties that house the owner’s business.  We prefer offices located in central business areas in good urban and suburban locations.

• Retail Building Loans – These may be shopping centers, retail strip centers, or individual stores, including single tenant NNN leased properties, such as drug stores and fast food stores.  We prefer properties with good occupancy rates and good historical performance.

• Industrial Property Loans – These may be warehouses, distribution centers, and/or manufacturing facilities.  Properties may be multi-tenant or owner occupied.

• Single/Special Use Loans – These loans may be offered on hotels/motels, gas stations, restaurants, and for other single use purposes.  Many of these properties are owner occupied by the owner’s business.  We consider these properties as Business Real Estate Loans.

• Apartment Building Loans –These properties may be garden apartments in suburban locations, high-rises in urban areas, small apartments, underlying cooperative loans, student housing near college campuses, manufactured housing communities and mobile home parks.

• Investment Property Loans – Any income producing property not specifically discussed above will be considered.
A conventional loan is a type of loan that is not offered or secured by a government entity like the FHA or VA. Instead, these loans are made available by government-sponsored enterprises Fannie Mae and Freddie Mac.

SBA 대출

The U.S. Small Business Administration (SBA) helps small businesses obtain funding through different types of loans. We back traditional loans made by banks and make direct loans for disaster recovery. SBA also offered specialized COVID-19 relief programs through the end of 2021. For small businesses that need funding, SBA works with lenders to provide traditional loans. We do not lend money directly to small business owners, unless the business is located in a declared disaster area. Instead, we set guidelines for loans made by our partnering lenders, community development organizations, and micro-lending institutions. SBA reduces risk for lenders, which makes it easier for small businesses to get loans.

Signing a Contract

Are you planning to buy a home?

There are many things you need to consider and prepare in advance in order to successfully obtain a favorable mortgage to buy your home, or refinance your existing home loan. The experienced mortgage loan officer is here to help!

Purchase contents and procedure

How to prepare and proceed with a home mortgage loan

1. Check your credit scores (FICO score) and prepare your down payment funds.
2. Calculate loan Principal, Interest, Tax, and Insurance payments (“PITI” payments) calculation and confirm your budget for these payments

The Home Loan (Mortgage) Process

1.Accept the home purchase contract(RPA) and open an escrow
2.Select a mortgage lender and a loan program
3.Prepare required documentation to apply for the loan and obtain loan approval
4.Lock in the mortgage interest rate
5. Obtain an appraisal of the home.
6.Submit all required loan application documentation according to the escrow closing date
7.The lender sends loan documents to the escrow company
8.All documents are sent back to the lender after signed by the loan applicants
9.The lender places the loan funds in escrow by the contract date
10.Complete recordation of title and collateral in the relevant county


Why a borrower uses a Home Loan (Mortgage)

1. You can purchase a home with less cash out of your pocket.
2. You can preserve more of your cash for other uses, projects or investments; the amount of equity in your home will still rise as the value of your home increases.
3. Home loan interest paid can be tax deductible.

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