Loan Programs
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 2024 is up to $1,149,825 depending on the limit in didividual 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!
Reverse Mortgage
A Home Equity Conversion Mortage (HECM), the most common type of reverse mortgage, is a sepcial type of home loan only for homeowners who are 62 and older. Unlike a traditional mortagage, with a reverse mortgage loan, borrowers dont make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.
Construction Loan
A conscruction loan(also known as a "self-build loan") is a short-term loan used to finance the building of a home or another real estate project. The builder or home buyer takes out a construction loan to cover the costs of the project before obtaining long-term funding. Because they are considered relatively risky, construction loans usually have higher interest rates than traditional mortgage loans.
Commercial real estate Loan
Commercial real estate (CRE) is income-producing property used solely for business (rather than residential) purposes. Examples include retail malls, shopping centers, office buildings and complexes, and hotels. Financing - including the acquisition, development, and construction of these properties - is the typically accomplished through commercial real estate loans: mortgages secured by liens on the commercial property.
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!
Mortgage Consultation
In-depth discussions to understand the client's financial situation, goals, and preferences. Evaluation of credit history and financial documents to determine eligibility.
Pre-ApprovaI Assistance
Assisting clients in obtaining pre-approval for a mortgage, which strengthens their position when making offers on properties.
Application Processing
Guiding clients through the mortgage application process. Collecting and organizing necessary documentation for loan approval.
Loan Shopping and Comparison
Researching and comparing various mortgage products from different lenders to find the most suitable options. Analyzing interest rates, terms, and conditions to identify the best financing solutions.
Educational Support
Providing information and guidance on various types of mortgages, such as fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, etc. Offering insights into the impact of interest rates and market conditions on mortgage options.
Closing Coordination
Facilitating communication between all parties involved in the transaction, including real estate agents, appraisers, and attorneys. Ensuring a smooth and timely closing process.
Refinancing Services
Assisting clients in refinancing existing mortgages to potentially secure better terms, lower interest rates, or access equity.
Post-Closing Support
Providing ongoing support and answering questions after the mortgage has been closed. Advising on potential opportunities for future refinancing or home equity considerations.
Customized Financial Solutions
Tailoring mortgage solutions to meet the specific needs and goals of individual clients, such as first-time homebuyers, investors.
Why Choose US
Experience that Matters: Our seasoned team brings a wealth of experience, navigating the intricacies of the California real estate market. Benefit from our deep industry insights and proven track record.
Client-Centric Approach: Your aspirations are at the heart of what we do. Our client-centric philosophy ensures that your unique needs and financial goals are met with tailored solutions.
Comprehensive Services: Whether you are a first-time homebuyer, refinancing, or exploring investment opportunities, We offers a comprehensive suite of services designed to meet your specific requirements.
Trust and Transparency: Trust is the foundation of our relationships. We prioritize transparency at every step, providing you with the information and support needed to make informed decisions.
Embark on your homeownership journey with confidence, supported by the experience and dedication of loan on time Discover a partnership that transcends transactions — discover the difference at Loan on time
Your dream home awaits, and we are here to make it a reality.
how it works
Fast & easy application process here
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Apply Bank Loan
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Review Your Loan
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Approved Bank Loan
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TESTIMONIALS
What our client says?
Jack Floss
Founder Cliency
“It fits our needs perfectly. I will refer everyone I know. Loan service is both attractive and highly adaptable.”
Jim Bergling
Founder Faceyou
“Keep up the excellent work. It’s all good. Thank You! I have gotten at least 50 times the value from you.”
Maya Cutts
Founder Cake Ini
“Nice work on your company. We can’t understand how we’ve been living without business loan!”
Business funding options to keep up the momentum
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