Our Services
Your Dream Home, Our Expert Guidance.
SERVICES
CONFORMING LOANS
Conforming loans are standard home loans that meet the guidelines set by government-sponsored entities like Fannie Mae and Freddie Mac. They offer competitive interest rates and predictable terms, making them a popular choice for most homebuyers. Our team helps you navigate the application process, ensuring you understand all the requirements, down payment options, and closing costs. With a conforming loan, you can enjoy a straightforward path to homeownership with stability and confidence.
SERVICES
Jumbo Loans
Jumbo loans are designed for homes that exceed the limits of conventional loan programs. These loans provide the flexibility needed for high-value properties, offering tailored terms and competitive rates. At California Mortgage & Realty, we guide you through the approval process, including income verification, credit review, and property appraisal. Our experience ensures that your jumbo loan application is handled efficiently, giving you the best chance to secure your dream home without compromise.
SERVICES
FHA Loans
FHA loans are backed by the Federal Housing Administration and are an excellent choice for first-time homebuyers or those with limited credit history. These loans require lower down payments and offer more flexible qualification criteria. Our team helps you understand the benefits, including potential lower interest rates and the ability to finance closing costs into your loan. We make it simple to take advantage of FHA programs, helping you get into your new home sooner.
SERVICES
VA Loans
VA loans provide exclusive benefits for eligible veterans, active-duty service members, and certain military spouses. These loans often require no down payment and have favorable terms that make homeownership more accessible. We help you navigate the VA application process, including eligibility verification, documentation, and lender requirements. Our goal is to ensure you maximize your benefits while securing a loan that fits your financial situation.
SERVICES
Reverse Mortgages
Reverse mortgages allow homeowners aged 62 and older to convert home equity into cash while still living in their home. This can be an effective tool for managing retirement expenses or supplementing income. At California Mortgage & Realty, we explain the different reverse mortgage options, including loan limits, repayment structures, and eligibility criteria. Our guidance ensures you make an informed decision while using your home equity to support your financial goals.
SERVICES
Credit Lines
Home Equity Lines of Credit (HELOCs) are flexible financing options that let you access the equity in your home when needed. They can be used for home improvements, debt consolidation, or other personal expenses. We help you determine how much equity you can access, understand interest rates, and choose the repayment plan that works best for your financial situation. Our team ensures that your credit line is structured for convenience, flexibility, and long-term value.
SERVICES
Non-Prime Programs
Non-prime programs are designed for buyers who may not meet traditional lending requirements, including those with non-traditional income, past credit challenges, or unique financial situations. These programs offer alternative solutions that expand your ability to qualify for a home loan. We work closely with you to understand your circumstances, recommend the right programs, and guide you through the application process. Our goal is to make homeownership possible even when traditional loans are not an option.
SERVICES
Lot Loans
Lot loans provide financing for buyers looking to purchase land and build their future home. These loans often have different requirements compared to traditional home loans, including terms for down payments, interest rates, and construction planning. Our team assists you through every step—from selecting the right loan type to understanding appraisal and land use requirements. With our guidance, you can confidently invest in your property and move forward with your construction plans.
