435 Wandering Ct Sonoma, CA 93632

Loan Programs

We have the loan options to meet your need

Whether you need a loan with a low down payment requirement, credit flexibility, alternative ways to evaluate your income, or just a really low rate, we likely have the product to meet your needs.  We hope you’ll reach out and let us find the right product for you.

Traditional Loans

Traditional Loans meet the needs of many borrowers and offer the lowest possible rates. For this reason, we generally see if our customers qualify for these loans first. If so, great! If not, no problem — we have many other products to choose from!

Veteran (VA) Loans

Specifically geared towards our veterans, VA loans require no money down and no monthly mortgage insurance. There is a fee, but it can be included in the loan amount. If you are current or former military, or a related spouse, this loan program is an outstanding way to keep the down payment low, or even to refinance and get cash out of your home.

Alternative Loans

Alternative loans are loans for borrowers whose tax reported income does not reflect their true income generation, or for borrowers who have other challenges with credit, employment, or income. These loans are generally for financially established borrowers who can afford to put at least 10% down. The rates are a bit higher than traditional, FHA, or VA loans.

Construction Loans

With our construction-to-permanent financing your dream home can become a reality! Our simple, all-in-one closing transitions your construction loan directly into a mortgage loan when building is complete. No hassles, no additional financing. Everything in one place! We’ll walk you through each step, and even help you select a contractor, a foundation survey, and guide you through the things that make your custom home a reality.

FHA Loans

FHA loan programs offer 3.5% down payments and have very flexible credit guidelines. They also give the option of taking cash out. These loans are slightly more expensive than traditional home loans, but are less expensive than alternative home loans. We can let you know if this is the right choice for you.

Short Term Bridge Loans

In a pinch, and need funds for a short term? Maybe you need down payment for a new home while you’re waiting for your current home to sell. Or you may be upgrading the home your selling or fixing a resell investment. Whatever the need is, as long as you can pay the loan back in about 12 months, bridge loans are a great way to make ends meet.

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