The right loan, for your situation.

Flexible terms, competitive rates, low PMI thresholds. The default loan for buyers with steady W‑2 or 1099 income and credit scores in the high‑600s and up. Once you're past 20% equity, PMI drops off automatically.

• As little as 3% down on a primary residence
• Loan limits up to $806,500 (most NorCal counties, 2025)
• Removable PMI once you hit 20% equity
• 15, 20, 25, 30‑year fixed plus 5/6, 7/6, 10/6 ARM options

Government‑backed loans with forgiving credit and debt requirements. Often the cleanest path for first‑time buyers, anyone rebuilding credit, or buyers using gift funds for the down payment.

• 3.5% down with a FICO of 580 or above
• Higher DTI tolerance than conventional
• 100% of down payment can come from a gift
• Streamline refinance available later, with limited docs

The most generous program in the industry, and the one I'm proudest to originate. Zero down, no monthly mortgage insurance, and underwriting that treats stable military or veteran income with the respect it deserves.

• 0% down up to your full entitlement
• No monthly mortgage insurance, ever
• Sellers can pay 100% of allowable closing costs
• Re‑usable benefit; refinance or buy again with the same entitlement

For homes priced above the local conforming limit. Pricing is sharper than most assume, but underwriting is meticulous, so a clean file is critical. I'll structure yours so it sails through.

• Loan amounts to $3M+ with strong files
• 10% down available on many programs
• Interest‑only and ARM structures for high earners
• Asset‑based qualification for self‑employed and retirees

Tap equity without giving up your low first‑mortgage rate. I use these myself, for renovations, bridge purchases, and investment property down payments. They have to pencil, but when they do, they're powerful.

• Up to 90% combined loan‑to‑value
• 10‑year draw, 20‑year repay typical
• Interest‑only payment options during draw
• Fixed‑rate alternative if you prefer predictability

If a standard loan doesn't fit, we find one that does. I work with bridge financing for buyers who haven't sold yet, reverse mortgages for clients over 62, bank‑statement programs for self‑employed borrowers, and down payment assistance for qualifying first‑time buyers.

• Bridge loans for non‑contingent offers
• Reverse mortgages, HECM
• Bank statement / asset‑depletion qualifying
• Temporary 2‑1 and 3‑2‑1 buy‑downs