3 - VA Loans - Hipotecas Para Veteranos

2 - conventional Loans

     Hipotecas convencionales

niche loan programs

1 - FHA Loans - Hipotecas de FHA

  • Purchase and Refinance
  • Max loan amount $679,650
  • Max 95% LTV
  • Min 620 FICO
  • Max ratios: AUS Approved eligible-Accept. Eligible up to 50% Max DTI
  • Purchase and Refinance
  • Max loan amount $453,100
  • Max 95% Loan-To-Value (LTV)
  • Min 620 Fair-Isaac-Company (FICO)
  • Max ratios: Automated underwriting system (AUS) approved Eligible-Accept. Eligible UP to 50% Debt-To-Income (DTI)
  • Down Payment Assistance Programs (Vary by California county)
  • FHA loans for Manufactured Homes
  • ​FHA 203K Limited (Renovation)
  • FHA 203K Full (Renovation)
  • ​203h (for victims of a major disasters
  • DU Refi Plus
  • Freddie Mac Open Access
  • ​Lender-Paid Mortgage Insurance (LPMI)
  • ​Home Ready 3% Down Conventional
  • 203(b) Repair Escrow

5 - jumbo loans - Hipotecas Grandes

conventional loan Programs

6 - Adjustable-Rate Mortgage Loans 

    Hipotecas de tasa de interes ajustable

7 - Commercial Loans
     Hipotecas comerciales

conventional high balance

CLick and read about:

4 - Reverse Mortgage loans       

     Hipotecas de Reverso       

Conventional, Conventional ProgramsJumbo, Reverse, Government ProgramsFHAVA, USDA, Non-Prime Programs, and Commercial Mortgages.​  NMLS 1086161 CalBRE 01393110

EDUARDO RAMIREZ MORTGAGE LOAN OFFICER - CA - MN