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Real Estate Financial Services has teamed up with some of the leading lenders in the Mortgage industry to provide you with the best possible rates and programs, tailored to fit your specific needs. We offer a variety of loan programs including, but not limited to, the following:

FHA 203h Loan – For Homeowners and Renters that have been displaced by a major disaster, allowing them to purchase anywhere in the United States with 100% Financing. Other criteria in place – Call Us – There is a Tomorrow!

Conventional Conforming and High Balance - Conforming up to 97% LTV (Lender paid PMI required)

HUD Section 184 - Native American Housing Loan Guarantee Program

USDA - Federal Program for targeted cities. 100%, No Mortgage Insurance

CalHFA & SAPPHIRE - Down Payment Assistance to encourage renters to become Homeowners.

FHA Back to Work Program - To assist those who have had a Foreclosure, Short Sale or Bankruptcy.

Fannie Mae Home Path - 3% down, no PMI or Appraisal required

FHA - 3.5% Down Payment, 100% of required Down Payment can be gifted 620 Minimum FICO required - No separate MI

FHA High Balance - 3.5% Down, Loan amounts up to $729,750.00

FHA 203k - Finance costs to Purchase and rehab or remodel homes

VA - 100% Financing - No Mortgage Insurance - Loan amounts to $625,000.00

Jumbo Conventional - Loans up to $2,500,000.00

Manufactured Homes - 90% LTV (FHA & Conventional)