Welcome Home with Sherrie Estrada

The most common type of home loan, available for primary homes, second homes, and investment properties. Low down payment options are available for qualified buyers, and mortgage insurance may be removable once you build enough equity, subject to lender requirements.

Government-insured loans with flexible credit guidelines and low down payment options, often a good fit for first-time buyers or borrowers rebuilding credit.

For eligible veterans, active-duty service members, and some surviving spouses. VA loans offer flexible down payment and mortgage insurance requirements for qualified borrowers, plus the VA IRRRL streamline refinance.

Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.

For loan amounts above the conforming loan limits, common in higher-cost areas like Orange County. Fixed-rate and adjustable-rate mortgage (ARM) options are available.

Low down payment programs, down payment assistance where available, and step-by-step guidance from pre-approval through closing day.

Change your rate, change your term, or take cash out. We start with your goal, because reducing a monthly payment and paying off a home sooner usually call for different loans, and refinancing may increase the total cost over the life of the loan.

Access your equity with a home equity line of credit or a fixed-rate home equity loan, while keeping your existing first mortgage in place.

Use your home's equity to combine higher-interest balances, like credit cards, into one payment. Using your home as collateral has real trade-offs, and we'll walk through them with you before you decide.

Receive cash today in exchange for a share of your home's future value, with no monthly payment. An HEI is not a loan: the investor's share is settled when you sell, refinance, or reach the end of the agreement term, and the amount owed depends on your home's value at that time.

For homeowners 62 and older, a reverse mortgage can turn home equity into funds without a required monthly mortgage payment. You remain responsible for property taxes, homeowners insurance, and home maintenance, and HUD-approved counseling is required.

Not affiliated with or endorsed by HUD, FHA, or any government agency.

Qualify using a property's rental income (DSCR), personal or business bank statements, 1099s, or assets instead of tax returns. A strong fit for self-employed borrowers and real estate investors.

Short-term, asset-based financing for time-sensitive purchases, fix-and-flip projects, bridge situations, and scenarios outside traditional guidelines.

Financing for business owners, including commercial real estate and business expansion, through SBA-backed loan programs offered by participating lenders.

Not affiliated with or endorsed by the U.S. Small Business Administration.