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Explore various loan program options for fixed and adjustable rate mortgages.
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A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in...
A DSCR (debt service coverage ratio) loan, or Investor Cash Flow loan, is a non-QM loan that allows you to qualify for a home loan without relying on personal income..
A bank statement loan is a type of mortgage that lenders use to assess a borrower's ability to repay a loan by looking at their bank statements instead of tax returns or pay stubs.
A reverse mortgage is a loan that allows homeowners who are at least 62 years old to access the equity in their home as cash.
Down payment assistance (DPA) loans are loans or grants that help homebuyers cover down payments and closing costs. They are often offered to first-time homebuyers or buyers with lower to moderate incomes.
Profit and loss (P&L) loans offer an alternative financing method to help you achieve your dreams of homeownership. These loans are designed for people who run their own businesses, offering flexibility to match the ups and downs of business income.
An Individual Taxpayer Identification Number (ITIN) loan, also known as an ITIN mortgage loan, is a lending option for non-resident immigrants and other people who don't have a Social Security number. ITIN loans help people who might not qualify for a traditional mortgage to buy a home.
Hard money loans, also known as bridge loans, are short-term loans that are secured by real property and often used in real estate transactions. They are typically issued by private lenders or investor groups, rather than banks.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...
1801 Park Court Place Suite # I102
Santa Ana, CA 92701
Phone: (714) 728-0232
mikeb@ibmclending.com
