Home Affordable Refinance Program (HARP 1.0 and 2.0) -
This government program allows underwater mortgages the chance to refinance.  There is no limit to the amount you can be upside down.  We offer both Fannie Mae DU Refi Plus and Freddie Mac Relief refinances.  

Conventional Loans - One to Four unit loans on Primary residences, second homes and investment properties.  Standard Fannie Mae and Freddie Mac home loans up to $417,000.  Fixed terms of 10, 15, 20, 25 and 30 years. Variable terms from 1 month, 6 month, 3 year, 5 year and 7 years.

Jumbo Loans - 
Standard Fannie and Freddie Jumbo up to $729k.  

Super Jumbo - 
Up to $4,000,000.

Government Insured Loans:

  • FHA Loans - We offer 3.5% Down Payment FHA loans down to a 580 FICO score.

  • FHA Down Payment Assistance - Buy with 1/2% down payment, with a CHF Access FHA Loan.  Down Payment Assistance offers a 3% LTV, 2nd mortgage that can be used toward down payment or closing costs.  California Only.  Income Limitations apply.

  • Veterans Administration Loans - VA loans - 100% financing available to America's Veterans, discharged or currently serving.  No Minimum FICO score.  And No Mortgage Insurance.

  • US Dept of Agriculture - USDA Loans - 100% financing available in certain rural areas across America.  No Mortgage Insurance required.  Excellent for first time homebuyer.

FHA Insured Reverse Mortgage

  • For borrowers 62+ years.  Eliminate your mortgage payment or receive cash for whatever purpose you'd like.  A reverse mortgage is just like a traditional loan, except there is no minimum payment required.  Each month interest accrues, you have the option to pay it; if you choose not to, the interest simply adds to your balance.

  • Receive up to a $625,500 home loan with no minimum payments required.  Get your money in a lump sum, monthly installments or as a Line of Credit, where you withdraw the money as you need it.

  • The loan is for your primary residence only.  When the last borrower leaves the primary residence, the loan is to be refinanced or paid off within six to twelve months.  You retain title and ownership, just like any other loan.

Commerical Lending

  • Multi-unit Residential

  • 5+ Unit Residential Loans - We have several lenders offering Apartment building loans.  Terms vary from 1 month LIBOR adjustables to Fixed rates on 3, 5, 7 and 10 year terms.  Excellent rates on fully amortizing 30 year terms.  Step down prepayment penalties.  If your rate is above 5%, give us a call to see how you can increase your cash flow.

  • Light Industrial, Office and Other Commercial Real Estate

  • SBA-504-Purchase vacant land for construction or existing commercial real estate. Remodel or rehabilitate an existing building.  Expand your business with just a 10% down payment.

  • SBA-7A- Small Business loans - Purchase an existing business, land, equipment, inventory, refinance existing debt adn for short term financial needs such as seasonal financing.  Not available to all business types.​



  • Conventional Loans
  • Jumbo Loans
  • Super Jumbo
  • FHA Loans
  • FHA Down Payment Assistance
  • Veterans Administration Loans
  • ​US Dept of Agriculture
  • ​Reverse Mortgages
  • ​Commercial Lending