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For homeowners to leverage the equity in their home.

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

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Offers predictability for your budget.

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Popular for first-time homebuyers.

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A loan not guaranteed or insured by the federal government.

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Some Holiday Lighting Tips


California christmas lights

Make a singular statement

Stick with a consistent methodology for installing the lights by following the branches on the trees with lights or by wrapping only the perimeter of the trees. Try to keep the method consistent for all the trees or bushes.

White lights are simple, however, there are choices when it comes to white lights because string lights are now made in LED form. Use warm whites as they are closest to old-school string lights. Cool white often reads really blue and super bright. Colored lights are beautiful as well, but just keep the look consistent and follow one path rather than mixing them all together.

Keep things consistent

Lights are all about scale and proportion. Don’t hang them at random or it will look unintentional; finish whatever scale you start. If you only want to do your entryway; do just that. Next step would be another complete thought, like all your rooflines or soffits. It’s all about not leaving something halfway done. Hang lights on roof ridges, hips, valleys and soffits. A tasteful display around your driveway and sidewalk is always a winner if you have the entire house lit up as well.

Think about scale

Stick with a theme; make sure all the lights you use are the same type. Mostly it’s about making the display look tidy and not like a mess.

Use the scale of your home as a guide and if you can’t afford to light the whole thing, think about special points of interest like a lit wreath or lit garland around the front door. Better to go bold in one or two places than to have tiny strings of lights on your eaves that don’t work there. And think about proportion—if you have a large house, for example, go big.

Strike the right balance

Holiday lights are like frosting. If you use too few, you’re left wishing there were more, or it looks like you never finished. Use too many lights and it is overwhelming. If you can strike just the right balance, they will highlight the beauty of your home and its exterior.

Intertwine lights with garland on the front door or draped across the front porch. This way you are using the lights to illuminate the decorations you see during the day and bringing them to life at night.

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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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