Phone: 661.847.4800 | Fax: 661.847.4850

Loan Programs.

CONVENTIONAL MORTGAGES

A Popular Product for Homebuyers With Excellent Credit and Money to Put Down

SJVM’s Conventional Mortgages—including Fixed-Rate Mortgages, Adjustable-Rate Mortgages, and Jumbo Mortgages—typically require a 5%–20% down payment, which results in immediate equity in a new home.

FHA-INSURED FINANCING

An Ideal Solution for Those With Less-Than-Ideal Buying Power

With flexible qualification guidelines, SJVM’s FHA-Insured Loans are designed to benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down.

USDA RURAL-HOUSING

Government-Backed Loans for Homebuyers in Rural Areas

With government-backed, affordable USDA Home Loans, SJVM can provide 102% financing for homebuyers in defined rural development areas.

VA HOME LOANS

Favorable Loan Terms and Interest Rates for Military Personnel

SJVM proudly offers loan products that meet the home financing needs of active-duty military and veterans nationwide.

FHA 203(k) RENOVATION LOANS

A Great Alternative for Those Wanting to Buy or Refinance a Fixer-Upper

SJVM’s FHA 203(k) Renovation Loans are designed for people wanting to buy or refinance a fixer-upper and include the costs to repair and remodel the property all in a single loan.

STATE HOUSING LOANS

Affordable Housing for the Disadvantaged

SJVM’s State Housing Agency Loans provide affordable housing for low- and moderate-income households, underserved minority populations, people with disabilities, and the elderly.

REFINANCING YOUR MORTGAGE

Have You Looked at Refinancing Lately?

With interest rates at historic lows, now is the time for you to weigh the costs and benefits of refinancing your mortgage with SJVM.

FHA STREAMLINE REFINANCE

The Simplest and Fastest Way to Refinance an FHA-Insured Loan

Qualified FHA-insured homeowners may use this tool to refinance their home without providing proof of income and possibly without a home appraisal.

GSFA PLATINUM PROGRAM

Down-Payment Assistance Program

Introducing an exclusive loan solution and grant program for low- to moderate-income individuals and families in California.

PRIVATE MONEY LOANS

When the bank says no, we say yes!

A hard money loan is a specific type of asset-based financing where a borrower receives funds secured by equity in real estate.

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