Phone: 661.847.4800 | Fax: 661.847.4850

Conventional Loan:

A loan that is not insured or guaranteed by the federal government. Requires a down payment as a little as 1% or 3% depending on location.


A loan that is insured by the Federal Housing Administration. The down payment is a little as 3.57 and can be combined with other down payment programs to come in with little or no money down.

VA Loan:

A loan for vert’s where the mortgage loan is guaranteed by the U.S. Department of Veteran Affairs.

Private Money:

A loan that refers to lending money from a private individual or organization. Some borrowers may look to this option if they do not qualify for conventional financing. Private money is much quicker than traditional financing. Land, Ag, Commercial, Multi-family, Fix & Flips and SFR.

Jumbo Loan:

A loan that is a form of financing where the loan amount exceeds the loan limit for the community where you are buying.

Down Payment Assistance (DPA):

A loan that can help borrowers with additional financing if they do not have enough money for a down payment.

Construction Loan:

A short term loan, where money is provided from the lender to built a structure


USDA loans are zero-down-payment mortgages for rural and suburban homebuyers. They’re mainly for borrowers who aren’t wealthy and can’t get a traditional mortgage.

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