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

Conventional Loans

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


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.

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.

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”.

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.

REFI Loans

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

Reverse Mortgage

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

Unconventional Mortgages

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

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.


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.


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.