Fresno and Clovis Residential & Commerical Lender

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In The News...
The big news today was the Labor Department's monthly employment report where it was reported that employers shed 54,000 jobs lost in August, which was lower than the -120,000 expected. In addition, July was revised to -54,000 from -131,000....

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Choose The Right Loan

Which loan program is right for you?
Whatever your situation may be, we have a loan program just for you.* Whether it's a loan to purchase a home, lower your current monthly payments, pay your bills, or improve your credit, we've got it.

*some qualifications do apply.

Fixed to Adjustable Programs

ADVANTAGES

DISADVANTAGES

•	2 and 3 year fixed rate mortgages provide the security and a relatively low fixed interest rate. After the first 2 or 3 years the loan will convert to an adjustable loan in order to obtain a full 30 year fixed loan
•	Allows a borrower 2 to 3 Years to improve their credit

•	Loan will convert to an ARM after the fixed period and payments can increase as rates rise

2 Year Fixed(then ADJ), 3 Year Fixed(then ADJ)

Adjustable Rate Programs

ADVANTAGES

DISADVANTAGES

•	Lower initial monthly payment
•	Lower payment over a shorter period of time
•	Rates and payments may go down if rates improve
•	May qualify for higher loan amounts

•	Payments may change over time
•	Potential for higher payments if rates go up

10/1 ARM, 7/1 ARM, 3/1 ARM, 1 Year ARM, 6 Month ARM, 2/28 2 Year Fixed; 28 Year ARM, 1 month ARM

No Point No Fee Programs

ADVANTAGES

DISADVANTAGES

•	No closing costs
•	Less money required to close

•	Higher rates
•	Higher down payments

No/Stated Income/Asset Programs

ADVANTAGES

DISADVANTAGES

•	No tax returns or W2's
•	No proof of assets or down payment
•	No verification of income
•	Fast approval

•	Higher rates
•	Higher down payments

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Cities we serve

Fresno, Clovis, Carmel, Monterey, Oakhurst, Bass Lake, Selma, Sanger, San Francisco, Dinuba, Reedley, Kingsburg, Bakersfield, Delano, Wasco, Shaver Lake, Easton, Firebaugh, Kerman, Laton, Mendota, Minkler, Orange Cove, Riverdale, Squaw Valley, San Joaquin, Tollhouse, Tranquility, Trimmer, Raisin City, Pinedale, Parlier,

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