We Offer Many services for Purchasing, Refinancing and Loan Programs

Loan Programs

1-3 years: 3/1 ARM, 1 year ARM, 6 month ARM, Option ARM
3-5 years: 5/1 ARM
5-7 years: 7/1 ARM
7-10 years: 10/1 ARM
10+ years: 30 year fixed, 45 year fixed, 15 year fixed

In addition to our standard loan programs, you may benefit by obtaining one of our many special programs:

  • Debt consolidation programs.
  • Home Improvement loans.
  • You may qualify even if you've been turned down before!

Fixed Rate Mortgages
  • 30 year fixed
  • 15 year fixed


  • Monthly payments are fixed over the life of the loan
  • Interest rate does not change
  • Protected if rates go up
  • Can refinance if rates go down


  • Higher interest rate
  • Higher mortgage payments
  • Rate does not drop if interest rates improve

Adjustable Rate Mortgages (ARM)
  • 10/1 ARM
  • 7/1 ARM
  • 5/1 ARM
  • 3/1 ARM
  • 1 year ARM
  • 6 month ARM
  • 1 month ARM


  • Lower initial monthly payment
  • Rates and payments may go down if rates improve
  • May qualify for higher loan amounts
  • 30 year term, no balloon payment


  • More risk
  • Payments may change over time
  • Potential for higher payments if rates increase

  • Owner Occupied
  • R&T to 97.75% LTV
  • Cash-out to 85% LTV
  • SFR, 1-4 Units, Condo's
  • 640 Minimum Fico
  • No DTI Limits if DU Approved
  • No Reserve Reqmts

  • 640 Minimum Fico
  • No Appraisal Required
  • No Maximum CLTV
  • income Docs Not Required

  • Owner Occupied
  • 660 Minimum Fico
  • SFR, 1-4 Units, Condo's
  • No Appraisal Required
  • income Docs Not Required

  • Owner Occupied
  • 100% LTV on Purchase
  • Cash-out to 90% LTV
  • SFR, 1-4 Units, PUD,Condo's
  • 620 Minimum Fico
  • Full Doc
  • up to 50% DTI
  • No Reserve Reqmts.
  • $50k Minimum Loan Amount
  • up to $417k Max Loan Amount
  • Gift Funds Allowed

First Time Buyer Programs Advantages
  • Lower down payment
  • Easier to qualify
  • Lower rates may be available


  • May be subject to income and property value limitations
  • Some government subsidized programs may generate a recapture tax if you sell the house too soon
  • Education courses may be required to qualify for these loans


  • Owner Occupied
  • Non-Owner Occupied
  • Other


for more details

Owner Occupied
  • Purchase to 95% LTV
  • SFR, 1-4 Units, Condo's
  • No Mortgage Insurance
  • Max DTI 50%
  • 620 Minimum Fico

Non-Owner Occupied

  • Purchase to 85% LTV
  • SFR, 1-4 Units, Condo's
  • 620 Minimum Fico
  • Max DTI 50%
  • No Mortgage Insurance


  • Minimum $50k Loan amount
  • Full Doc
  • DU Approvals Accepted

Stated Income Programs Advantages
  • income completed by employer only
  • Faster approval
  • Good for borrowers who may not qualify with a full income documentation program


  • Higher rates
  • Higher down payment

No point, No fee Programs Advantages
  • No out-of-pocket loan costs at closing
  • Closing costs are paid from the lender rebate
  • Less money required to close
  • Refinance without increasing your loan amount


  • Higher rates
  • Higher payments
  • Some lenders may have a short payoff penalty which is usually charged to the loan broker, but may be passed on to you
  • Some require a prepayment penalty for the first one to five years

Imperfect Credit Programs Advantages
  • Potential for reestablishing credit if you pay your mortgage on time
  • When used for debt consolidation, you may be able to reduce your monthly debt payment


  • Higher rates
  • Terms may not be as favorable
  • Harder to get long-term fixed loans
  • Loans may have prepayment penalties

Home Equity Line of Credit Advantages
  • You only borrow what you need
  • Pay interest only on what you borrow
  • Flexible access to funds
  • Interest may be tax deductible
  • May be free of closing costs
  • A good source for an emergency fund, if set up in advance
  • Can be used for debt consolidation and lower payments
  • Rates are usually lower than consumer loan or credit card rates


  • Rates can change. The maximum interest rate can be relatively high
  • Payments can change
  • Harder to refinance your first mortgage

Home Equity Fixed Loan Advantages
  • Fixed payments
  • Interest may be tax deductible
  • Get cash out for any purpose


  • Higher interest rates compared to first mortgage
  • Harder to refinance your first mortgage
  • Interest is paid on the entire loan amount, compared to an equity line of credit

Pasadena, CA 91101

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