With a wide array of options available, it's important to understand the various loan programs to make an informed decision. If you're a first-time homebuyer, FHA, VA, and USDA loans offer low down payment options and flexible qualification criteria. Conventional loans provide versatility with fixed and adjustable rate options, while jumbo loans cater to those seeking larger loan amounts.
Self-employed individuals or borrowers with unique financial situations may benefit from non-QM loans, which offer alternative documentation options. For investors and entrepreneurs, commercial real estate loans provide financing for commercial properties and business ventures.
Homeowners looking to leverage their home's equity can explore a home equity line of credit (HELOC), while construction loans and bridge loans accommodate those seeking financing for renovations or buying and selling a property simultaneously.
Understanding factors like the debt-service coverage ratio (DSCR) and bank statement loans can further assist you in finding the ideal loan for your specific circumstances. By considering these various loan options and their unique features, you can confidently choose the loan that best aligns with your financial goals and aspirations.
In Addition to these standard loan programs we offer a large number of specialized loans to fit your needs please call or email for more information.
Alliance Mortgage Lending is a Mortgage Lender in San Clemente, we provide Home Loans in all of California, including, but not limited to, these counties: Orange County, San Diego County, Los Angeles County, Riverside County, San Bernardino County, Alameda County, Contra Cost County, Marin County, Monterey County, Napa County, San Benito County, San Francisco County, San Mateo County, Santa Cruz County, Sonoma County and Ventura County.