Conventional financing falls into two categories of loan products that are called conforming and non-conforming. Conforming loans are underwritten to meet the terms and conditions established by the two primary government sponsored enterprises (GSE’s) known as ‘Fannie Mae’ and ‘Freddie Mac’. Fannie Mae is the common name for the Federal National Mortgage Association or FNMA. Freddie Mac is the common name for the Federal Home Loan Mortgage Corporation or FHLMC. These are two of the largest money providers for home loans on what is called the secondary market, where pricing for various interest rates is determined by market conditions. Currently $417,000 is the maximum conforming agency loan limit.

Programs exceeding the current agency limit of $417,000 are considered non-conforming or jumbo financing. We are delegated to underwrite both jumbo and conforming loans. We offer a variety of conventional loan products that include both fixed rate and adjustable rate mortgages (ARM’s) with a wide range of repayment periods. We also offer hybrid products that are a combination both fixed and adjustable rates and payments for different terms.

Please contact me anytime for more details on any loan program or option on our website. With decades of experience and professional closings, I can guarantee my service, the best rates, and most accurate program to meet your needs. If you are or ever have been in law enforcement in California please contact me to discuss your home loan options today.

Conventional financing falls into two categories of loan products that are called conforming and non-conforming. Conforming loans are underwritten to meet the terms and conditions established by the two primary government sponsored enterprises (GSE’s) known as ‘Fannie Mae’ and ‘Freddie Mac’. Fannie Mae is the common name for the Federal National Mortgage Association or FNMA. Freddie Mac is the common name for the Federal Home Loan Mortgage Corporation or FHLMC. These are two of the largest money providers for home loans on what is called the secondary market, where pricing for various interest rates is determined by market conditions. Currently $417,000 is the maximum conforming agency loan limit.

Programs exceeding the current agency limit of $417,000 are considered non-conforming or jumbo financing. We are delegated to underwrite both jumbo and conforming loans. We offer a variety of conventional loan products that include both fixed rate and adjustable rate mortgages (ARM’s) with a wide range of repayment periods. We also offer hybrid products that are a combination both fixed and adjustable rates and payments for different terms.

Please contact me anytime for more details on any loan program or option on our website. With decades of experience and professional closings, I can guarantee my service, the best rates, and most accurate program to meet your needs. If you are or ever have been in law enforcement in California please contact me to discuss your home loan options today.