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:


Conventional Conforming and High Balance -

     Conforming up to 97% LTV (Lender paid PMI required)


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


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


HUD Section 184 - Native American Housing Loan Guarantee Program


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)