1st Mortgages

Rate	Adjustable and Fixed
Financing	Up to 95%
Fixed Initial Terms	10, 15, 20, or 30 years
Maximum Amount	Up to $1,000,000
Terms	Flexible

Call us at 844-884-9725 or visit the Mortgage Center

Other Terms

97% financing available up to $484,350 for first-time home buyers. 95% financing available up to $690,000 in San Diego County. Loans over $690,000 require a 20% down payment. Financing available on fixed and adjustable mortgages with PMI and mortgage insurance. The APR for adjustable rate mortgages is based on the 1 year Constant Maturity Treasury rates available on the 15th of each month. Rates will not adjust more than 2% per year and will never exceed 5% over the initial rate of the loan. Mortgages available for properties located in California only.

Home Equity Line of Credit

Loan Amount	Up to $100,000
Term	Up to 180 months
Rate	Variable

Other Terms

Rate can adjust monthly, but will never increase or decrease by more than 2% per year and is limited to a maximum interest rate of 10% greater than the initial rate. Minimum annual percentage rate is as low as Prime plus 0.50%. Loan offers a 10 year draw period and a 15 year repayment. Balloon payment due on any unpaid balance at maturity date. 80% LTV maximum. Property must be in California and owner occupied. Please consult your tax advisor for possible tax benefits. Rates subject to change. A Home Equity Line of Credit (HELOC) is a loan on your home and the amount of the loan is determined by the equity available.