The Right Loan for
Every Situation.
Whether you're buying your first home, refinancing to a lower rate, or financing a high-value California property — we have the program and the expertise to close your deal.
We Shop Dozens of Lenders So You Don't Have To
As a licensed California mortgage broker powered by Answer Home Loans, we have access to a wide array of loan products from dozens of lenders. That means more options, more competitive rates, and a loan that's actually tailored to your situation — not just whatever one bank happens to offer.
Conventional Loans
The gold standard for California homebuyers with strong credit.
Conventional loans offer the most flexibility in terms of property types, loan amounts, and down payment options. With access to dozens of lenders, we find you the most competitive conventional rate available — whether you're buying, refinancing, or pulling cash out.
What's Included
- Down payments as low as 3% for qualified buyers
- No upfront mortgage insurance premium
- Flexible loan terms — 10, 15, 20, or 30 years
- Available for primary residences, second homes, and investment properties
- Competitive rates from dozens of lenders
FHA Loans
More flexible qualifying — less standing between you and homeownership.
FHA loans are backed by the federal government and designed to make homeownership accessible to more buyers. With lower down payment requirements and more flexible credit guidelines, FHA is often the right path for first-time buyers or those rebuilding their financial profile.
What's Included
- Down payments as low as 3.5%
- More flexible credit score requirements
- Higher debt-to-income ratios allowed
- Streamline refinance option for existing FHA borrowers
- Available for 1–4 unit primary residences
VA Loans
Zero down. No mortgage insurance. You've earned it.
VA loans are one of the most powerful mortgage benefits available — and too many veterans don't take full advantage of them. We know the VA loan program inside and out, and we make sure eligible borrowers get every benefit they've earned: zero down payment, no private mortgage insurance, and competitive rates.
What's Included
- Zero down payment for eligible veterans and active-duty military
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit and income guidelines
- VA streamline refinance (IRRRL) for existing VA borrowers
Private Money Loans
When speed and flexibility matter more than anything else.
Private money loans are asset-based financing solutions for situations where traditional lending falls short. Whether you're an investor who needs to move fast, have complex income, or are dealing with a property that conventional lenders won't touch — private money gets the deal done.
What's Included
- Fast approvals and closings — days, not weeks
- Asset-based underwriting — less focus on credit and income
- Ideal for fix-and-flip, bridge financing, and investment properties
- Flexible terms tailored to the deal
- Solutions for non-warrantable properties and unique situations
Purchase Incentive Loans
Seller-paid incentives that put more money in your pocket at close.
Purchase incentive programs allow buyers to leverage seller concessions and lender credits to reduce out-of-pocket costs at closing. We structure these deals strategically so you get into your home with less cash upfront without sacrificing your long-term rate.
What's Included
- Seller concession strategies to reduce closing costs
- Lender credit options to offset upfront expenses
- Down payment assistance programs where available
- Structured to minimize cash-to-close without inflating your rate
- Available on conventional, FHA, and VA transactions
2-1 Rate Buydown Loans
Start lower. Build equity. Refinance when rates drop.
A 2-1 buydown temporarily reduces your interest rate for the first two years of your loan — giving you lower payments while you get settled, and positioning you to refinance into a permanent lower rate when the market moves. Often seller-funded, this is one of the smartest tools in today's market.
What's Included
- Rate reduced by 2% in year one, 1% in year two
- Lower monthly payments during the buydown period
- Often funded by the seller as a closing concession
- Available on conventional, FHA, and VA loans
- Ideal strategy in a higher-rate environment
How It Works
Simple, fast, and transparent — from first call to close.
Free Consultation
We start with a conversation. Tell us your situation, your goals, and your timeline. No pressure, no obligation.
Rate Shopping
We shop dozens of lenders on your behalf to find the sharpest rate and best terms for your specific loan.
Application & Approval
We guide you through the application, gather what's needed, and move fast to get your approval locked in.
Fast Close
With 20+ years of experience, we know how to anticipate every obstacle and close on time — every time.
Not Sure Which Program Is Right for You?
Call or email Mario directly. We'll look at your situation and tell you exactly which loan makes the most sense — no fluff, no runaround.
Talk to Mario Directly
No call centers. No runaround. Just straight answers from an experienced California mortgage broker.
Get a Free Consultation(916) 289-1077CA DRE #01837807 · Licensed Mortgage Broker