Santa Rosa Mortgage Broker

We Do the Home Loan Shopping So That You Don't Have To

As true mortgage brokers, we rank dozens of lenders daily in order to find the right loan at the best rate for our clients

 

Golden Gate Bridge

Benefits Of A Reverse Mortgage

With a reverse mortgage you can use your home's value to help you enjoy your golden years.

Use As You Want

Whether its help with monthly expenses, helping the grand-kids, vacation spend the money as you wish.

Multiple Cash Options

Depending on your needs you can get a lump payment, monthly payments, a line of credit or a combination.

Keep Your Home

You will be able to stay in your home and still leave it to your children!
 

Expert Service

We will review your needs and determine the best option to fit your needs.
 

VA Loan Benefits

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No Down Payment!

There is no down payment on most home purchase!

  • Benefits
  • icon Avoid Needing Large Payment
  • icon Use Your Money For Other Things
Check Eligibility
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Closing Costs

Some Veterans are eligible for limited closing costs

  • Benefits
  • icon Smaller Loan
  • icon Lower Payments
Apply Now
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No PMI

Avoid paying private mortgage insurance

  • Benefits
  • icon Hassle Free Funding
  • icon Get Your Dream House
Fund Your New Home
Mobile Manufactured Home Loans

Mobile Manufactured Home Loans

We offer mobile and manufactured home loan financing options. Mobile homes are an affordable housing solution that can provide homeownership opportunities to individuals who may not be able to afford traditional homes. However, financing options for mobile homes can be limited, making it difficult for many to achieve their dream of homeownership. That's where mobile home loans come in.

Loan Programs

There are several types of loan programs available for homebuyers, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:

Conventional (Fannie Mae & Freddie Mac) Loans

  • As Low as 3% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 620 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted
  • Monthly Mortgage Insurance
  • Not Required with 20% or More Down Payment
  • Automatically Cancels at 78% LTV (Loan-to-Value)
  • $726,200 Maximum Loan Amount

FHA (Federal Housing Administration) Loans

  • 3.50% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 580 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted
  • 1.75% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.55% Monthly Mortgage Insurance
  • Remains for Life of Loan (if Down Payment is < 10%)
  • $472,030 Maximum Loan Amount

FHA 203k (Home Renovation) Loans

  • 3.50% Down Payment
  • Streamline 203k Loan
  • Use for Cosmetic and Common Repairs up to $35,000
  • Standard 203k Loan
  • Use for Extensive Repairs Over $5,000
  • 620 Minimum Credit Score
  • Down Payment Can be Gifted
  • 1.75% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.55% Monthly Mortgage Insurance
  • Remains for Life of Loan (if Down Payment is < 10%)
  • $472,030 Maximum Loan Amount

VA (Veterans Affairs) Loans

  • Zero Down Payment – 100% Financing
  • 580 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • 2.30% Upfront Mortgage Insurance Premium (First-Time Use)
  • Financed into Loan Amount
  • Will Vary Depending on Down Payment and Subsequent Use
  • No Mortgage Insurance
  • No Maximum Loan Amount

First-Time Homebuyer Loans

  • Down Payment Requirements
  • Conventional – 3% (Can be Gifted)
  • FHA - 3.50% (Can be Gifted)
  • VA - 0% (Zero Down Payment)
  • USDA – 0% (Zero Down Payment)
  • Down Payment Assistance
  • Conventional – Up to 3% (Restrictions Apply)
  • FHA – Up to 3.50% (Restrictions Apply)
  • Credit Score Requirements
  • Conventional – 620+
  • FHA – 580+
  • VA – 580+
  • USDA – 640+

USDA (Rural Development) Loans

  • Zero Down Payment – 100% Financing
  • 640 Minimum Credit Score
  • 1.00% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.35% Monthly Mortgage Insurance
  • Remains for Life of Loan
  • Income and Property Areas Restricted

Investment Property Loans

  • 20% Down Payment
  • 620 Minimum Credit Score
  • DSCR (Debt Service Coverage Mortgage)
  • Qualify Based on Rental Income

Jumbo Loans

  • As Low as 10% Down Payment
  • 680 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • No Mortgage Insurance Option
  • Loan Amounts Over $726,200

Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.

How We Can Help With Private Funding

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Residential Mortgage

We can fund your home or if you're looking for a residential property to rent or sell.

  • Features
  • icon $40,000 to $10 Million
  • icon Less Docs Required
Get Pre-Qualified
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Commercial Mortgage

If you want to purchase land, office space, commercial property to rent or refinance.

  • Features
  • icon $40,000 to $10 Million
  • icon Repay in 2 year
Start Funding
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Second Mortgage

We can get you a second mortgage quickly for whatever you need! Up to $25,000

  • Features
  • icon Up to $25,000
  • icon Fast Funding
Get Cash
latest news

Latest News

Contact Us

Phone

(707) 536-1095

Address

131A Stony Circle, #501
Santa Rosa, CA
95401

Office Hours

Monday-Friday: 9am to 6pm
Saturday: 10am to 2pm
Sunday: Closed