Loan Product

Navigating the multitude of home loan options can seem daunting, but fear not—I'm here to guide you towards selecting the best type of home loan for your needs. Let's explore your options together.

Loan Product Options

FIRST-TIME
HOME BUYERS

To kickstart your journey, I provide a complimentary pre-qualification service before you even start your home search. Furthermore, leveraging my partner networks, I can seamlessly connect you with a trusted real estate agent who aligns with your needs and preferences.

Jumbo
Loans

A jumbo mortgage can provide you the larger funds traditional loans do not cover — given that you can find a lender that offers one, satisfy the requirements, and afford the higher cost.

Conforming and Non-Conforming Loans

Venturing into the mortgage world can feel like a maze, but understanding the distinction between conforming and non-conforming loans is key to charting the right path.

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HELOC Loan

This page is your guide to understanding the concept, exploring its benefits, and discovering the myriad ways it can enhance your financial journey.

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

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FHA Home Loan

An FHA loan is a government-backed mortgage loan that allows you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score.

REVERSE
MORTGAGE

A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also, like a conventional mortgage, the title to your home remains in your name when you take out a reverse mortgage loan.

INVESTMENT PROPERTY LOANS

Investment property loans are a type of mortgage specifically designed for purchasing properties intended to generate income, such as rental properties or commercial real estate.

LOW DOWN
PAYMENT

Coming up with a down payment is one of the biggest challenges for many people looking to buy a house, causing them to delay their dream of homeownership.

REFINANCE

When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.

NON-QM Loans

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1099
Mortgage

On a conventional home loan, the lender is restricted to using only the taxable portion of the applicant's salary for qualification purposes.

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Bank Statement
Loans

A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.

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Debt Service Coverage
Loan

As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan, a type of no-income loan

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ITIN Mortgage

Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.

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Asset Utilization

Maximize your resources and minimize waste with Asset Utilization - the secret weapon of successful businesses.

Design Home Loans

I bring a customized, unique approach to mortgages. My lending solutions use the perfect hybrid of human-driven insights and technical prowess to process loans faster and significantly reduce costs.

PHONE

949-307-2082

E-MAIL

patty@designhomeloansinc.com

ADDRESS

704 Trailblaze
Irvine, CA 92618

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Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

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