Joseph Lee
mortgage loan officer
Joseph Lee
mortgage loan officer
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    • Home
    • About Us
    • Financing
      • Purchase
      • Refinance
      • Cash Out
    • Industry Information
      • Programs & Info
      • Self Calculating Tools
      • Helpful Resources
      • Blog and Newsletter
      • Network
    • Languages
      • ESPAÑOL
      • 한국어
  • Home
  • About Us
  • Financing
    • Purchase
    • Refinance
    • Cash Out
  • Industry Information
    • Programs & Info
    • Self Calculating Tools
    • Helpful Resources
    • Blog and Newsletter
    • Network
  • Languages
    • ESPAÑOL
    • 한국어

the main MORTGAGE loan programs in the industry.

FHA

CONVENTIONAL

FHA

mortgage program for low down payment and low credit score. Loan from the Federal Housing Administration 

VA

CONVENTIONAL

FHA

Loans for military veterans who want to purchase a home. Great mortgage program for those who qualify.

CONVENTIONAL

CONVENTIONAL

CONVENTIONAL

For those looking to borrow within the county loan limits

Fixed & ARMs

JUMBO

NON-QM

CONVENTIONAL

For those looking to borrow more than the county loan  limits

NON-QM

NON-QM

NON-QM

For those that don't qualify for mortgage programs within the standard guidelines. There are loans for you still. 

3 Main Mortgage Programs. Loan CATEGORIES

#

Conforming

Loans within General Loan Limits

#

High Balance

Loans in High-Cost Areas

#

jumbo

Loans Above General Loan Limits

Fixed vs. ARM Calculator

CAlhfa's new dream for all shared appreciation loan program-

The image above shows how the shared appreciation loan program would work.

New mortgage program to offer down payment assistance so that you can qualify for a loan. 

You can register for the CALHFA Homebuyer Education Specific Education: https://www.calhfadreamforall.com/     This education is free and online only

And the 8-hour Homebuyer Education can be done through:

  • Online Homebuyer Education through https://www.ehomeamerica.org/  (Fee: $99)
    Other online courses like Frameworks and HomeView are not acceptable
  • In-Person or Virtual      Live Homebuyer Education through https://www.neighborworks.org/Homes-Finances/Homeownership/Homeownership-Center-Directory     or https://hudgov-answers.force.com/housingcounseling/s/?language=en_US
    (Fee: Varies by Agency) 



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