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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Pre-Approval versus Pre-Qualification

California mortgage pre-approval

Many people mistakenly think the term “pre-qualified” is the same thing as being “pre-approved.” Although they may sound similar, they are in fact very different.

A home loan pre-qualified indicates that you’ve been initially approved for a loan. On the other hand, getting pre-approved refers to meeting with a lender to determine exactly how much money you are able to borrow, which can be done once you’ve provided the lender with proof of your income, debts, and assets.

For the pre-approval, the lender will assess the information you provide to determine how much you’re eligible to borrow, as well as the type of mortgage options that are available to you.

Being pre-qualified, does not mean you are automatically pre-approved, and being pre-qualified does not indicate that the bank is obliged to give you that specific amount of money.

Instead, these steps in the mortgage process are used as estimates and should be considered for informational purposes only — a way to give you an idea as to how much you can expect to be able to borrow if your loan is approved.

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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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