California residents face unique circumstances since real estate in California is among the most expensive in the country. When making a home purchase or refinance in California, it is very important to know all of the mortgage loan options available today to be able to make an informed educated decision. With our network of over 250 lenders nationwide, we can help you find the best home loan at the best rate available for your financial situation.

We have an expertise in all varieties of home loans, with a special emphasis on bad credit mortgages, interest only loans, 40 year mortgage loans and MTA option ARM loans with rates starting as low as one percent. We also offer fixed rate mortgage, adjustable rate mortgages (ARM), balloon mortgage, stated income loans, no documentation loan or the no doc loan in which no income, no asset and no employment is stated on the loan application, as well as other variations of loan programs. We have loans for first time homebuyers, foreign nationals, permanent resident alien, etc. We can do co-op loans, condo mortgages, condotel, investment properties, vacation homes, second home loans, 1 to 4 family properties -- to name a few.

Call and ask about our new secure MTA Option Arm variation which is perfect for California homeowners. This variation comes with a 5 year fixed Fully Indexed Rate like a 5 year arm. The minimum payment is an interest only payment option based on 3% below the Fully Indexed Rate. There are two other payment options offered each month. 100% mortgages available up to $1,450,000 Full doc and $1,350,000 Stated and No Ratio. 95% financing available up to $1,300,000 for Stated Income/Stated Assets, No Income/No Assets or No Doc loans.

To find the perfect loan for you, please either apply online or request a loan comparison or no obligation rate quote or ask for a prequalification online. Call our toll free number (866-535-8987) to discuss which option is best for you. We're here to answer all of your questions!

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