Government Purchase Loan Programs
We specialize in credit scores below 650, manual underwriting, and manufactured housing. Here are some highlights of our Government purchase loan programs:

FHA & VA programs down to 500 FICO
FHA 203k and 203h programs
USDA programs down to 550
Low down payment programs great for first time home buyers
Manufactured property programs

Conventional & High Balance Loans

Looking for unconventional loans for conventional clients? Look no further than these loan programs:

Self-employed with down payment
W-2 client with borderline credit and low down payment
Investment / multi-unit properties
Non-occupant co-borrower


For those with recent credit events, here are details on our Non QM purchase loans:

Up to $1.5 million
Minimum credit scores down to 500 (75% LTV), max LTV 85% with no mortgage insurance
30 year fixed terms and 5/1 or 7/1 adjustable rate mortgage
Non-warrantable condos and investment properties OK

David Johnston

NMLS 225476

​Calif. BRE 00972822


Residential Lending

Welcome to the Loan Center! Are you looking to buy a home? Here you can use our online tools to learn more about home loans and find the best loan options to suit your needs and goals. You can explore our site without any obligation or disclosure of personal information, or if you want, you can even begin the application process online! 

At any point, feel free to e-mail or call us regarding any questions you may have. You can find our contact information at the bottom of each page. We are here to personally help you through the entire home financing process.Type your paragraph here.

We offer a wide range of loan programs for borrowers with less-than-perfect to perfect credit, as well as special benefits for first-time homebuyers.

FHA Purchase:

FICO scores down to 500, up to 90% LTV
FICO scores down to 580, up to 96.5% LTV
Owner-occupied properties only
Up to 30-year fixed rate term
Down payments as low as 3.5% with qualifying credit
Gift funds allowed per FHA guidelines
No prepayment penalties
Non-occupant co-borrowers are acceptable

VA Purchase:

For active duty service members, Veterans and their families for home purchase
FICO scores down to 500, up to 100% LTV
No down payment required
No mortgage insurance required*
Owner-occupied properties only
30-year fixed rate term
Limit on the amount of origination fees, appraisal fees and closing costs
No prepayment penalties

USDA Purchase:

FICO scores down to 550
No down payment requirement for qualified borrowers
No cash reserve requirements
Seller can pay closing costs and pre-paids (restrictions apply)
Specifically for homebuyers who may be challenged to qualify on income in an eligible rural area
Funds can be used for repair and/or renovation