FHA/VA or Out-of-State* Loans
What is an FHA Loan?
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It allows people to buy homes with as little as 3.5% down and usually with lower interest rates than conventional loans.
- Easier credit qualifications
- Very limited credit history is allowed
- 3.5% down payment
- Down payment can come from family or a grant from a state or local government down payment assistance program
- Good option for first-time homebuyers
- Non-occupying co-borrower can be used for qualifying provided they are an eligible family member
- Assumable
What is a VA Loan?
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It’s a low-interest loan for U.S. military members (active duty & veterans) and their families. There is no down payment or mortgage insurance required.
- No mortgage insurance
- No down payment
- Up to 4% seller concessions allowed
- Significantly lower fees to borrower
- Relaxed credit requirements
- Lower interest rates
- Allows for higher DTIs
- Best product on market for LTV’s over 80%
Home loans outside of California also available*
We partner with Servion, Inc. NMLS #409710
*Out-of-state loans include all states with the exception of AL, AZ, HI, MA, NY, RI, VA, VT, DC
FHA, VA, and out-of-state loans are not eligible for End of Watch coverage.