Programs

Every loan has a story.... and behind every story, there's a dream. We offer loans tailored to your needs, such as self-employment loans, flexible mortgage programs and more!

With your best interest at heart, I work diligently to provide transparent mortgage planning with a long-term vision. What's your dream? Call me today! 408-691-3029

Here are just a few of the loan programs we offer.

Fixed Rate Mortgage

10, 15, 30 year fixed

A fixed rate mortgage is a mortgage that has a fixed interest rate for the entire term of the loan. With a fixed-rate mortgage, borrowers do not have to worry about interest rates spiking and increasing their mortgage payment.

Adjustable Rate Mortgages

3/6, 5/6, 7/6, 10/6 ARM

A mortgage in which the interest rate fluctuates at set periods based on the current market. Typically denoted in the form “introductory period/interval for adjustment,” as in a 5/6 ARM in which the first 5 years are fixed, and then the subsequent rates are readjusted every 6 months.

Niches

Alternative Credit for Not Enough Credit History
Asset Depletion for More Income to Qualify
Bank Statement Programs for Self-Employed
Bridge Loans for Not Enough Income/Downpay to Buy First and Sell Later
Cross Collateral for High Income Earners to Buy First and Sell Later
DSCR Based on Rental Income Only to Qualify
FHA and other Government-`Assisted Programs
Foreign Nationals for Regular Residential Programs
Low Credit Scores
Non-Warrantable Condos (but not structural related)
One-Year Tax Return for Jumbo Loans
Vesting in Entities