Whether it's your first home or your fifth, we'll match you with the right loan program based on your credit, income, and down payment. We work with Conventional, FHA, VA, and USDA loans — so there's almost always a path forward.

Marcos sits down with you personally, runs the numbers, and gives you a straight answer on what you qualify for — before you ever make an offer.

Conventional loans are not backed by the government, which means they come with fewer restrictions and more flexibility. They're ideal for buyers with solid credit and stable income who want competitive rates and the option to avoid PMI with 20% down.

Available as 15-year, 20-year, or 30-year fixed, as well as adjustable-rate options. Marcos will help you pick the term that fits your monthly budget and long-term goals.

FHA loans are backed by the Federal Housing Administration and are designed to make homeownership accessible. With just 3.5% down and credit scores as low as 580, they open doors for buyers who might not qualify for conventional financing.

FHA loans require mortgage insurance (MIP) for the life of the loan if you put less than 10% down. Marcos will explain exactly what that means for your monthly payment and whether FHA or Conventional makes more sense for you long-term.

VA loans are available to eligible veterans, active-duty service members, and surviving spouses. They offer the most favorable terms of any loan type — no down payment, no private mortgage insurance, and consistently competitive interest rates.

Marcos has experience working with VA buyers and understands the full process — from Certificate of Eligibility to closing. We'll make sure you use every benefit you've earned.

Refinancing replaces your existing mortgage with a new one — ideally at a better rate, shorter term, or with cash out from your equity. Whether you want to lower your monthly payment, pay off your home faster, or consolidate debt, there's likely a refinance option that works.

Marcos will run a full break-even analysis so you know exactly how long it takes to recoup closing costs and whether refinancing actually puts money in your pocket.

Fix and flip loans are short-term bridge loans designed for real estate investors purchasing properties to renovate and resell. Speed is everything in this space — we understand that and structure our process to close quickly so you don't lose the deal.

Whether you're an experienced investor or doing your first flip, Marcos will walk you through the structure, terms, and what makes a deal work financially before you commit.

DSCR stands for Debt Service Coverage Ratio. Instead of using your personal tax returns or W-2s to qualify, the lender looks at whether the rental income from the property covers the mortgage payment. If the property cash flows, you can qualify.

This is ideal for investors with multiple properties, complex income, or who don't want to mix personal finances with investment decisions. No income docs, no employment verification — the deal speaks for itself.

Traditional loans use W-2s and tax returns to verify income. But if you're self-employed, your tax returns often show a lower income than what you actually earn because of legitimate deductions. Bank statement loans solve this by using 12 or 24 months of deposits to calculate your actual income.

Business owners, freelancers, contractors, and gig workers all benefit from this program. Marcos has helped many self-employed clients in Ventura County use this path to homeownership when traditional lenders turned them away.

Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In most of California, the 2024 conforming limit is $766,550 — anything above that requires a jumbo loan. Ventura County has a significant number of properties in this range.

Jumbo loans have stricter requirements — higher credit scores, larger down payments, and more documentation — but Marcos has access to competitive jumbo programs and knows how to get these deals closed.

If you've owned your home for a few years, you've likely built up significant equity. A Home Equity Loan gives you a lump sum at a fixed rate. A HELOC (Home Equity Line of Credit) works more like a credit card — you draw from it as needed during a set period.

Both options let you borrow against your equity at rates much lower than personal loans or credit cards. Common uses include home renovations, debt consolidation, college tuition, and emergency funds.