Loan Programs

Zero Cost Refinance

You may have heard the term ‘no-cost refinance’ on the radio or on TV, but what does that really mean?  Typically, a no-cost refinance…Read More »

Conforming vs. Jumbo Loan

The terms ‘conforming’, ‘high-balance’, ‘super-conforming, ‘jumbo’, ‘non-conforming’, ‘super-jumbo’ can make your head spin – just what does all of this mean?  Each of these terms has to do with…Read More »

Fixed vs. ARM

As the name suggests – a fixed rate loan means that the interest rate is ‘fixed’ for the term of the loan and they come in four flavors (10, 15, 20, 30-yr fixed mortgages).  Most clients opt for…Read More »

Reverse Mortgage

A reverse mortgage is a loan available to homeowners, 62 years or older that allows you to convert part of the equity in your homes into cash. With a Reverse Mortgage the bank makes monthly payments to you based on…Read More »

FHA Loan

Insured by the Federal Housing Administration, FHA loans have soured in popularity since the mortgage crisis of 2008.  The reason is because you can get into a home with as little as…Read More »

VA Loan

For qualified military veterans, active duty servicemen and women and eligible surviving spouses, a VA loan might be the mortgage solution for…Read More »

Home Equity Line of Credit

A home equity line of credit (HELOC) is a second mortgage on your home and is typically used for two main purposes.  The most common is to avoid costly PMI on a home purchase or refinance that is typically associated with…Read More »

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2000 Broadway St.
Redwood City, CA 94063

5170 Golden Foothills Pkwy
El Dorado Hills, CA 95762

2173 Salk Avenue Suite 250
Carlsbad, CA 92008


Equal Housing Lender

CA Bur of Real Estate - Real Estate Broker - Broker#01514348. 

NMLS#: 780963

These materials are not from HUD or FHA and were not approved by HUD or a government agency. 

Any rates quoted are not guaranteed and are subject to market fluctuations.

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