Loan Programs Santa Rosa Ca

Conventional Loan Programs:

Conventional loans are mortgages that are not covered by any government program of insurance or guarantee. Such loans may be eligible for purchase by the major secondary market agencies Fannie Mae and Freddie Mac which offer standardized underwriting guidelines for conforming loan amounts up to $417,000 (up to $729,750 in some areas). These loans can offer fixed or variable (ARM) rates and a variety of repayment terms that can be tailored to your individual needs. These loans are considered prime loans and are available to borrowers with good credit and sufficient and verifiable income.

Non-Conforming “Jumbo” Loans:

Non-conforming jumbo loans are those with loan balances in excess of $417,000 and can be either fixed or adjustable rate mortgages. Underwriting guidelines may vary depending on the program selected, down payment and actual loan amount. Repayment options also vary, enabling you to select a mortgage that fits your budget.

Fixed Rate Loans:

Fixed rate mortgages offer the borrower the security and peace of mind knowing that their mortgage rates and payments will not change. These loans are especially attractive to those borrowers planning on staying in their homes for many years.

ARM - Adjustable Rate Mortgage Loans:

An Adjustable Rate Mortgage (ARM) features a variable interest rate, which is periodically adjusted. ARM’s may provide the security, flexibility and affordability prospective homebuyers desire. These loans are especially attractive to homebuyers who plan to "trade up" in future years. Generally, initial interest rates are lower than with fixed rate mortgages, this may help when qualifying for the loan. 


Private Money Loans:


Premier Lending understands that not all borrowers are alike. Each client is unique with specific financial requirements. If you have sufficient equity in your home we may be able to help you with the following scenarios:

  • Hard to verify income: Perfect for those who are self employed. We offer low documentation and no-documentation programs.
  • High Debt-to-Income Ratios: We can underwrite loans with debt-to-income ratio's as high as 60% (In some cases even higher).
  • Derogatory Credit: Community Pacific Mortgage specializes in helping borrowers with less-than-perfect credit.
  • Bankruptcy: Current and Previous bankruptcies. We help you re-establish your credit and get you the cash you need.
  • Foreclosure: We can help save your home and help you get back on track.

Whatever your current financial needs are, we likely have a loan program for you. So, whether you're considering purchasing a new home, or refinancing your current home, Give us a call (707) 636-0300 Ext 201