Mortgage Loan Programs
As a mortgage broker, we shop your loan across multiple wholesale lenders instead of pushing one bank's products. Here's everything we offer.
What we offer
Find the loan that fits your situation
Buying your first home, refinancing, or growing a rental portfolio: each program below has its own page with requirements, documents and answers to common questions.
Home Purchase Loans
Conventional, FHA, VA and USDA options for first-time and repeat buyers. Down payments start as low as 0–3.5% for qualified buyers.
See program detailsRefinance
Lower your rate, shorten your term, drop mortgage insurance or take cash out. We'll tell you straight if it doesn't pencil out.
See program detailsFix & Flip Loans
Short-term financing for investors buying, renovating and reselling. Built around the deal and the after-repair value.
See program detailsDSCR / Investor Loans
Qualify with the property's rental income instead of your tax returns. Close in your name or an LLC.
See program detailsBank Statement Loans
For self-employed borrowers. We use 12 or 24 months of bank deposits to document income. No W-2s needed.
See program detailsJumbo Loans
Financing above the conforming loan limit for higher-priced homes across Ventura, Los Angeles and Santa Barbara counties.
See program detailsNot sure where to start?
Find the line that sounds most like you. Marcos will confirm the best fit on a free call.
| If you are… | Start by looking at | |
|---|---|---|
| First-time buyer with a small down payment | FHA (3.5% down) or conventional (as low as 3% down) | Learn more |
| Veteran or active-duty service member | VA loan with $0 down and no monthly mortgage insurance | Learn more |
| Self-employed with lots of write-offs | Bank statement loan | Learn more |
| Buying or refinancing a rental property | DSCR loan | Learn more |
| Buying a property to renovate and sell | Fix & flip loan | Learn more |
| Buying above the conforming loan limit | Jumbo loan | Learn more |
| Want a lower payment or cash from your equity | Rate-and-term or cash-out refinance | Learn more |
Find out what you qualify for
Book a free call with Marcos. You'll leave knowing your price range, your payment, and which loan fits. No obligation.