CALIFORNIA HOME PURCHASE LOANS

Generally, you can afford a home priced 3-5 times your annual income. With California's high prices, we offer specialized programs like CalHFA and jumbo loans to help. Our calculator can give you a precise estimate based on your situation.

Closing costs typically range from 2-5% of the home price and include appraisal fees, title insurance, escrow fees, loan origination fees, and prepaid items. We offer programs with seller credits and assistance to reduce these costs.

Yes! FHA loans accept credit scores as low as 580 with 3.5% down, or 500 with 10% down. We also offer Non-QM loans for recent bankruptcies or foreclosures. Our credit repair partners can help improve your score quickly.

Pre-approval takes 24 hours. Once you find a home, closing typically takes 30-45 days. We can expedite to 21 days for qualified borrowers. VA and FHA loans may take slightly longer due to additional requirements.

Absolutely! Pre-approval shows sellers you're serious, tells you exactly how much you can afford, and locks in your rate for 60-90 days. In California's competitive market, pre-approval is essential for winning offers.

Basic documents include 2 years of tax returns, 2 months of bank statements, 30 days of pay stubs, driver's license, and employment verification. Self-employed borrowers may need additional documentation. We'll provide a complete checklist.