Mortgage Loan Options & Programs - Solcosta Home Loans

Finding the right home loan involves consideration of your individual needs and goals. We are here to guide you.

Conventional

Conventional loans are available with as low as a 3% down payment. Contrary to popular belief, 20% down is not always required.

FHA

FHA loans have flexible credit requirements, require only 3.5% down, and are very popular with first-time homebuyers.

VA

Eligible veterans and servicemembers of the US Armed Forces can purchase a home with no down payment required.

Jumbo

Jumbo loans provide financing for higher-priced properties, with loan amounts up to $5 million and down payments starting at 10%.

Non-QM & Investor Loans

Flexible bank statement, asset-based, and DSCR loan options that streamline financing for investors, self-employed borrowers, and outside-the-box scenarios.

Down Payment Assistance

Down payment assistance (DPA) programs, such as CalHFA, help eliminate the biggest hurdle in buying a home – saving for the down payment.

Refinance/Cash-Out Refi

Refinancing can lower your monthly payment or provide cash for debt consolidation or home improvements. We can give you a free quote with no credit check.

Line of Credit (HELOC)

Tap into your home’s equity with a line of credit (HELOC) without sacrificing your current interest rate. Both fixed and adjustable-rate options are available.

We take pride in offering a diverse variety of mortgage solutions to meet your unique needs and goals. While we strive to provide a wide array of loan products to our valued clients, it’s important to clarify that certain specialized products fall outside the scope of our services. Please note that we do not offer the following types of loans:

Mobile home loans (but we can lend on manufactured homes on permanent foundation in some cases)
Vacant land loans
Ground-up construction loans
Commercial loans (5+ units)
Reverse mortgages
Hard money/private loans
USDA loans
203(k) or HomeStyle renovation loans (but you can utilize a cash-out refinance or HELOC for renovations)

Additionally, we want to inform you that our lending services are exclusively available for properties in California, and we do not lend on properties outside of California. Our commitment is to serve our California clients with the utmost dedication and expertise. If you have any questions or require information about loans within California, please feel free to contact us.