Thinking about buying a new home or refinancing?
No Problem,
We are here to help!
We specialize in turning aspirations into reality by offering tailored mortgage solutions. Explore our range of mortgage options,expert advice,and personalized service that make home financing a seamless and rewarding experience. Your dream home awaits, and we’re here to help you unlock the door to a brighter future. Start your homeownership journey with loan on time today.
One easy application
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Funding options up to $800k
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No asset security required
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Special Programs
Primary home purchase special: 0% down, no MI and no point
Current interest Rate
Program | Conforming | APR | HB | APR | Jumbo | APR |
30 YR Fixed | 5.375% | 5.492% | 5.5% | 5.69% | 5.99% | 6.082% |
15 YR Fixed | 4.875% | 5.072% | 4.99% | 5.109% | 5.375% | 5.493% |
5 YR ARM | 5.5% | 5.768% | 5.875% | 6.01% | 5.875% | 6.027% |
ABOUT US
Loan On Time
With over two decades of unwavering commitment to excellence, Loan on time stands as a beacon of expertise in the dynamic landscape of California real estate financing. Since our inception, we have been dedicated to providing unparalleled service as a premier mortgage broker company.
At Loan on time, we understand that securing the right mortgage is a pivotal step in realizing your dreams of homeownership. Our journey, spanning more than 20 years, has been marked by a steadfast dedication to our clients’ success. Through economic fluctuations and market shifts, we have consistently adapted to deliver innovative solutions and guide our clients towards financial prosperity.
Mortgage Consultation
Pre-ApprovaI Assistance
Application Processing
Loan Shopping and Comparison
SERVICES
Our Loan Programs
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Conforming Loan
We provide the loan program which meets specific guidelines set by two government-sponsored institutions, Fannie Mae and Freddie Mac. Getting a conforming loan will benefit you because eligibility, pricing and features are standardized. Conforming loan limit for 2022 is up to $822,375 depending on the limit in individual county .
VA / FHA Loan
FHA loans and VA loans both are government-insured mortgages. The distinction is that VA loans are available to eligible military service members, veterans, and surviving spouses, while FHA loans are available to any borrower who qualifies under FHA lending standards.
Jumbo/Super Jumbo Program
Our jumbo loan options include flexible adjustable rates & fixed rate products with financing for loan amounts up to $5 million. Interest only options are available for qualified borrowers!
Non-QM Loan
We understand every family has different financial situation, no matter if you are self-employed with a lot of income tax write-off’s, have less than perfect credit history or even you are a foreigner who wants to invest in the US real estate market, we have alternative solution to help you get a home mortgage loan!
Home Purchase Bridge Loan
If you need a quick and easy close loan to compete with all those full cash buyers or if you want to buy a new property without selling your current property for down payment, we have tailor made solution for you!
Our goals:
"Help Home Owners"