Types of Refinance Loans

Conventional

Type	Limit	Ideal for	Advantages
ARMS	Conforming	Short-term homeowners Clients with future income growth potential	Low initial interest rate
30-year fixed rate	Conforming	Long-term homeowners looking for stability	Long-term interest rate and monthly payment stability
15- year fixed rate	Conforming	Clients looking for stability and speedy payoff	Interest rate & payment stability Faster equity/payoff Less overall interest
Jumbo	Conforming	Clients seeking higher value	No limit Covers more value

Government-insured

Type	Limit	Ideal for	Advantages
FHA	Conforming	Clients with limited credit or income	Low down payment Easier credit and income requirements
VA	Affordability	Eligible past/present service members and spouses	Low interest rate Low down payment Costs covered
USDA	Affordability	Limited income clients in USDA designated rural areas	100% financing Assists limited income clients

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12655 W. Jefferson Blvd. Fl 4
Playa Vista, CA 90066
Office : (800) 431-7002
Fax : (310) 496-2703
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