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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Preparing Your California Home for Winter

California home mortgage

Cold weather is officially here, and you’ll likely want to ensure that your California home is ready to deal with the ice, snow and cold temperatures. Just because everything seems to be in good shape now doesn’t mean that you won’t experience any problems over the course of the winter. Here are some repairs and inspections you can do to ensure that your family stays warm and dry through winter.

Plumbing

Drippy faucets or clogged drains can cause water buildup or mold growth. For problems like these that you may have been ignoring or if it’s been a while since your plumbing was checked, contact a local California plumber for an evaluation of your water lines and pipes. Make sure the plumbing is insulated adequately so your pipes won’t freeze and burst in the freezing temperatures.

Foundation

Walk around the external foundation of your home to look for cracking, crumbling or other signs of decay. Loose, weak or broken foundation cement or bricks can let in moisture that could cause serious damage in the months ahead. Inspect the inside foundation for similar problems and call a specialist to repair any damage before cold weather arrives.

Furnace

Schedule an annual maintenance visit with a local California HVAC expert to keep your furnace working efficiently. If it’s getting old or worn out, it may be time to consider a new furnace installation to keep your home comfortably warm through the winter months. You don’t want your heating system to give out during the winter over a weekend when an HVAC technician’s emergency visit costs more than a regular weekday appointment.

It’s easier to have a new furnace installed while the weather is still mild instead of waiting for a snowy, icy day when the driveway might be slippery and snow could get tracked through the house. You’ll appreciate the peace of mind of having an up-to-date, reliable furnace that can supply the heat your family needs.

Roof

Strong winds or heavy rain can damage a roof over the summer without you even knowing it. Have a professional roof inspection done to check for missing or broken shingles, deteriorating gutters and downspouts, or a missing chimney cap. Don’t wait until several inches of icy snow has piled on your roof and caused a leak in your home. Have any needed repairs done now before the weather turns frigid.

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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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