95% Financing Available!

No bankruptcy, foreclosure or short sale in the past 2 years.  1 loan with mortgage insurance.
 

Great loan! Can be first-time buyer or previous owner.  Less money down

Jumbo
up to 729,750 (in Napa County)
up to 443,750 (in Solano County)
 

3.5% Down Payment with monthly & up-front mortgage insurance.  Can finance up-front mortgage insurance.  Low rates

Lower acquisition costs, less than perfect credit

This is the loan program that Fannie Mae and Freddie Mac insure

If you have good credit (min. 620 FICO score.) Rates are most competitive, requires full documentation (generally employment, bank statements, credit)

Higher end properties,  executive and estates.  Owner occupied second homes, primary residences.  Full documentation
 

720+ FICO score may have enhanced pricing

Same as High Balance and Conforming
 

NOTE:
Interest Only Loans Available Too !
 

Fixed for 3, 5, 7 & 10 years, usually tied to 1-yr T-Bill

Great loan if you do NOT plan to be in your home for more than 3 to 7 years, or if you expect a financial change in the next few years, i.e., pay raise, new career, new debt, etc.

One loan - one escrow & title fee.  Loan is appraised  based on completed project. 

Ideal for building a home, including acquiring the property, or for a major remodel of existing home.
 

VA is single family residence only, owner occupied. 0% down.
 

Must be a veteran or active military service personnel.

Owner occupied, minimum amount down 10%,  must have certified appraiser and licensed contractor
 

Used for acquiring property and funding improvements or rehab in one loan.  Appraisal is based on improved property.