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Loan Options in CAlifornia
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Better Service. Lower Fees.
Our team is ready and willing to help you with your loan needs. We are knowledgeable and would love to help you find the best loan program for your specific situation.
steps to getting a purchase mortgage
Step one: loan application
We take an in depth look at your personal credit profile, collect the necessary documents and discuss your personal needs in regards to payment and cash to close so that you know exactly the range to shop.
step two: pre-approval
We give you a fully underwritten preapproval so that you are ready to shop with your real estate agent! We personalize every letter to a specific property you write on and check the value, taxes and insurance so that you know exactly what kind of payment you are looking at and have realistic numbers for the cash to close.
step three: underwriting & funding
We put you in the best possible place to go into underwriting, but sometimes additional documentation will be needed and there are a lot of forms to sign. Luckily our knowledgeable team will be with you the whole time to answer any questions or concerns you may have.
Our Loan Programs
Conventional Loans
Ideal for borrowers with strong credit and stable income, conventional loans offer competitive rates and flexible terms. Choose from fixed or adjustable-rate options with down payments as low as 3%.
FHA Loans
Backed by the Federal Housing Administration, FHA loans are perfect for first-time homebuyers or those with less-than-perfect credit. Enjoy lower down payment requirements and flexible qualification guidelines.
VA Loans
Exclusively available to veterans, active-duty military members, and eligible spouses, VA loans offer zero down payment, no private mortgage insurance (PMI), and favorable interest rates.
USDA Loans
For those purchasing homes in eligible rural areas, USDA loans provide 100% financing with low mortgage insurance costs and competitive rates.
Jumbo Loans
Need financing beyond conventional loan limits? Our jumbo loan programs offer flexible options for high-value properties with competitive rates and terms.
Bank Statement Loans
Perfect for self-employed borrowers or business owners who have strong income but limited traditional documentation. Bank statement loans use your deposit history to determine eligibility.
DSCR Loans
Designed for real estate investors, Debt-Service Coverage Ratio (DSCR) loans focus on rental income potential rather than personal income verification.
HELOC & Home Equity Loans
Leverage your home’s equity for cash-out refinancing or a home equity line of credit (HELOC) to fund home improvements, debt consolidation, or other financial needs.
Reverse Mortgages
For homeowners aged 62 and older, reverse mortgages provide a way to access home equity without monthly mortgage payments. Use funds for retirement, medical expenses, or other financial goals while remaining in your home.
Refinance Options
Looking to lower your interest rate, consolidate debt, remodel your home, or tap into your home’s equity? We offer a range of refinance options to help you achieve your financial goals.
Fixed vs. Adjustable-Rate Mortgages (ARM)
We offer both fixed-rate and adjustable-rate mortgage (ARM) options. Fixed-rate mortgages provide predictable payments, while ARMs start with lower rates that adjust over time.
Which Loan is Right for You?
With so many loan options available, it’s essential to choose the one that aligns with your financial goals. Our team at Integrity Mortgage is here to guide you through the process and help you make an informed decision.