Apply for your home loan in the comfort of your own home. Track your loan online. Communicate with your mortgage broker any time.
We take pride in providing excellent service financing first time home buyers and refinancing home loans specializing in Beverly Hills, Malibu, Hollywood Hills, Los Angeles, Newport Beach, Laguna Beach, Dana Point, San Clemente, Coto de Caza, Irvine, Anaheim Hills, Yorba Linda and surrounding areas. Helping families afford and keep their dream home.
- Safely and securely gather documents and chat directly with us from anywhere. We can login to see your screen in real-time and help you move through the process.
- Real-time tracking and up-to-date loan status information.
- Single-click access.
- Transparency through the entire loan process.
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Virtual E-Closing gives you the convenience of closing on a purchase or refinance without leaving your home – or when you’re a thousand miles away from home. No sitting at the closing table with stacks of paper to sign. No in-person contact. As long as you have a computer or mobile device with access to Wi-Fi, you can close a loan from anywhere, any time.
Get the bigger house without the bigger rate. Home loans over $548,250 with as little as 10% down. Get the jumbo loan without the jumbo down payment.
- Prime Jumbo loans up to $2 million
- Fast, easy closings – 25 days or less
- Great, fixed-rate and ARM loans available
- Options available for primary, second and investment homes
- Starting at 680 FICO, plus special low rates for 700+ FICO
- We also offer special refinancing options for your jumbo loan
Let’s get you pre-qualified, so you can place an offer and show buyers that you are serious.
Tailored Home Loans offers a Variety of Home Loan Programs
Federal Housing Administration (FHA) Loan
FHA Loans are a great option when you have less than 20% down payment and a low FICO (Credit Score).
An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by a FHA-approved lender. FHA insured loans are a type of federal assistance and have historically allowed lower income Americans to borrow money.
- This is the preferred home program for first-time home buyers with a low credit score.
- Are backed by the Federal Housing Administration, which allow down payments as low as 3.5%.
- The Federal Housing Administration (FHA) allows down payments as low as 3.5% for those with minimum credit score of 580 or higher.
- The Federal Housing Administration (FHA) allows down payments as low as 10% for those with minimum credit score of 580 or less.
- The FHA will insure loans for borrowers with scores as low as 500, but requires a 10% down payment for a score that is that low.
- Mortgage Insurance is required for the life of an FHA Loan and can’t be cancelled.
- DTI (debt-to-income) ratio 45% (can be as high as 50%)
Conventional Loan
Conventional Loans are a great option when you have 20% or more down payment and a higher FICO (Credit Score).
- This is the preferred home program for first-time home buyers with a high credit score of 680 or higher.
- Aren’t backed by the government, offer down payments as low as 3% to first-time home buyers with good credit.
- Available in fixed-rates, adjustable rates (ARM’s) with loan terms 10 to 30 years.
- Can be used to buy a primary residence, second home or rental property
- Mortgage Insurance is cancelable when home equity reaches 20% (unlike FHA which lasts the life of the loan, in most cases)
- DTI (debt-to-income) maximum ratio 43%
Jumbo Loan
A jumbo loan is one way to buy a high-priced or luxury home. If you have a lower debt-to-income ratio, a higher credit score, and a larger down payment, a jumbo loan may be right for you. The limit on conforming loans is $417,000 in most areas of the country, but jumbo mortgages can exceed these limits.
Adjustable Rate Mortgage (ARM)
A variable-rate mortgage, adjustable-rate mortgage (ARM), or tracker mortgage is a mortgage loan with the interest rate on the note periodically adjusted based on an index which reflects the cost to the lender of borrowing on the credit markets.[1] The loan may be offered at the lender’s standard variable rate/base rate. There may be a direct and legally defined link to the underlying index, but where the lender offers no specific link to the underlying market or index the rate can be changed at the lender’s discretion.
California VA Home Loans
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry). If you qualify for a VA loan, you can purchase a home with no down payment and no mortgage insurance requirements.
Learn MoreReverse Senior Mortgage
A reverse mortgage or home equity conversion mortgage (HECM) is a special type of home loan for older homeowners (62 years or older) that requires no monthly mortgage payments. Borrowers are still responsible for property taxes and homeowner’s insurance. Reverse mortgages allow elders to access the home equity they have built up in their homes now, and defer payment of the loan until they die, sell, or move out of the home. Because there are no required mortgage payments on a reverse mortgage, the interest is added to the loan balance each month. The rising loan balance can eventually grow to exceed the value of the home, particularly in times of declining home values or if the borrower continues to live in the home for many years. However, the borrower (or the borrower’s estate) is generally not required to repay any additional loan balance in excess of the value of the home.
Learn MoreComplimentary 3D interior design just for choosing Tailored Home Loans as your preferred mortgage broker. Restrictions may apply.
Go from dream to reality.
Best first time home buyer programs in Orange County and Los Angeles County. Tailored Home Loan specializes in first time home buyer loan programs for Beverly Hills, Malibu, Hollywood Hills, Malibu, Newport Beach, Laguna Beach, Dana Point, Huntington Beach, Irvine, Coto de Caza, San Clemente, Anaheim Hills, Yorba Linda and surrounding areas.
