Loan programs
Conventional
The classic 30- and 15-year fixed loans, plus adjustable options. Competitive rates for buyers with steady income and as little as 3% down.
FHA
Flexible credit requirements and down payments from 3.5%. Often the best door into homeownership for first-generation buyers.
VA
For veterans, active-duty service members, and eligible spouses: no down payment, no monthly mortgage insurance, and strong rates.
Jumbo
Financing above conforming limits for Bay Area price points, with strategies to keep the rate and the reserves manageable.
Down-payment assistance
CalHFA and local first-time-buyer programs can cover part of your down payment or closing costs. We’ll tell you what you qualify for before you tour a single house.
Refinance
Lower the rate, drop mortgage insurance, shorten the term, or take cash out of your equity. We run the numbers first, and we tell you honestly if refinancing doesn’t make sense yet.
Not sure which one fits? Book a call and we’ll figure it out together.
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