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Mortgage Options and Home Loans

Browse our selection of mortgage options, specialty loan products, and home loans - available through Option Funding Inc in Westlake Village, California.

BANK STATEMENT LOANS

Bank Statement Loans are a mortgage option offered by some lenders where tax returns aren’t relied on to determine income.

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Conventional Loans

A conventional mortgage loan is a “conforming” loan, which simply means that it meets the requirements for Fannie Mae or Freddie Mac.

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FHA LOANS

FHA Loans are some of the easiest types of mortgage loans to qualify for because they require a low down payment and the borrower can have less-than-perfect credit.

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Hard Money Loans

A hard money loan is a unique type of loan in which funds are secured by real property instead of the borrower’s creditworthiness.

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Jumbo Loans

A Jumbo Mortgage is typically needed when a home loan exceeds the “conforming limits” put in place by Freddie Mac and Fannie Mae sometimes referred to as “the agencies”.

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Non-QM Loans

A non-qualified mortgage (non-QM) is a home loan designed to help home buyers who can't meet the strict criteria of a qualifying mortgage.

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REFI Loans

Refinancing a home mortgage is when you get a new home loan to replace an existing home loan.

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Reverse Mortgage

A Reverse Mortgage is a loan that allows you to borrow against the equity in your home.

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Unconventional Mortgages

Unconventional mortgages provide alternatives for those who don’t meet the standard income documentation requirements.

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VA Loans

VA loans are for current and veteran service members, and eligible spouses. VA mortgages have competitive interest rates and usually require no down payment.

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ZERO DOWN LOANS

Many potential home buyers wonder how much they’ll need to save in order to get a mortgage. It’s possible to buy a home without needing the upfront funds of a down payment.

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NOT SURE WHICH MORTGAGE OPTIONS ARE RIGHT FOR YOU?

Choosing the loan that's best for you relies primarily on your financial health: your income, credit history and score, employment, and financial goals. Give us a call so we can help you analyze your finances to help determine the best loan products or mortgage options.