Loan Programs

Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

  • Buy a home with as little as 5% down (primary home).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.


 

Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.


 

FHA Loans

  • 3.50% minimum down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.

VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.

Mortgage Lender in Northern California. Lowest rates available. Refinance your current loan. Apply now for a mortgage loan to purchase a new home. Loans for investment property. Answer Home Loans is My-Hometown-Expert and the Doug Jones Team is your team. Pre-approval, preapproval or pre approval before shopping for a new home. Get pre-qualified or prequalified or even pre qualified.

BRE # 01759672 

NMLS # 356310 |