VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

Reverse Mortgages

For homeowners to leverage the equity in their home.

Refinancing

Replace your current home loan with a new one.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Fixed-Rate Mortgages

Offers predictability for your budget.

FHA Home Loans

Popular for first-time homebuyers.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

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Basement Improvement Projects


California home mortgage

HVAC Upgrade

If your family complains about hanging out in the basement because it’s too chilly, too damp, or just plain not cozy enough, this might be the perfect time to upgrade your heating, cooling, and ventilation (HVAC) system. Boosting the air efficiency in your home makes an immediate difference and your basement should feel just as comfortable as the rest of your California house. Check into multizone HVAC equipment and creating a separate zone for the basement that can be controlled by its own smart thermostat.

Lighten Things Up

Think of the word “basement” and the first thing that probably comes to mind is … dark. Luckily, this is one of the quickest and least expensive things to fix. Roll on a coat of fresh paint for instant impact. Wood paneling all but disappears under white or light-colored paint, making the room appear much larger. Many basements make do with lamps, but it’s worth paying more to illuminate your space properly. Use recessed lighting, it’s stylish, and it doesn’t take up precious space in the ceiling.

Create a game room

If you already have a separate room in your basement that can’t become a legal bedroom, that could make a pretty awesome gaming room your kids will thank you for. Paint this room dark and dramatic, throw in a few oversized bean bag chairs, and your kids may have a new favorite spot in your home. This setup is also perfect for watching movies, or for a man cave, where you don’t need much light.

Repurpose Your Wet Bar

If you’re lucky enough to have a finished basement that just needs a modern face-lift, there are affordable ways to do it. For example, remember when many basements featured a massive bar as a focal point? You can incorporate this into your remodel. Bars generally have pre-existing plumbing in them that can be re-routed. Add a new granite counter with seating, and then put in a kitchenette by adding a cooktop, a small refrigerator, and a sink. Having a kitchenette in the basement works especially well if you also have a bedroom and bathroom downstairs, as it makes the perfect guest suite.

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About

VA Home Loans
Reverse Mortgages
Refinancing
Prime Jumbo and Super Jumbo Mortgages
Fixed-Rate Mortgages
FHA Home Loans
Conventional Mortgages/Conventional High Balance
Self Employed Loan Programs
Bank Statement Programs
Investor DSCR or Rental Income Loans

Loan Options

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