One of the first and biggest decisions you will need to make when applying for a mortgage is what type of home loan you want.

With a large network of lenders, Joshua Barton, Broker offers many different mortgage products for customers with different requirements. Our experts can connect you with the flexible, competitive financing you need to purchase a home, refinance, invest, or pursue other goals.

We Offer These Types of Loans in California

Conventional

A conventional mortgage is one that is not insured by a government agency. A conforming conventional home loan falls inside the Fannie Mae and Freddie Mac loan limits, and may have a down payment requirement as low as 3%.

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VA

This type of mortgage is insured by the Department of Veterans Affairs. VA loans are available to eligible service members, veterans, and surviving spouses. Features include zero down payment, no PMI requirement, and affordable interest rates.

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FHA

An FHA loan guaranteed by the Federal Housing Administration can be your tickets you flexible, affordable homeownership. Appealing features include a down payment as low as 3.5%, low interest rates, and easy qualification.

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Jumbo

If you need to borrow beyond what you can with the Fannie Mae and Freddie Mac loan limits for conforming mortgages, you can purchase a home with a non-conforming jumbo loan.

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Reverse Mortgage

As a senior, you can borrow against the equity in your home with a reverse mortgage. This is a way of increasing cash flow during retirement without needing to leave your home.

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First Time Home Buyer

Are you shopping for your first home in California? If so, you will need to find the right mortgage product. We can walk you through the process step by step, connecting you with the ideal loan product to purchase your first home. We also can provide you with guidance regarding your credit score and down payment assistance.

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How Do You Choose the Right Type of Mortgage in San Diego, California?

It can be difficult for many first time homebuyers to figure out what type of mortgage is most suitable. Even repeat homebuyers may need some guidance in making this decision.

During your consultation, we can discuss your financial situation in detail, going over the factors that can impact eligibility. Some of these include:

  • Your credit score
  • Your debt-to-income (DTI) ratio
  • Your income
  • Your employment status
  • Your assets
  • Your veteran status

We also can talk about your goals for the future and which lending products may be ideal for helping you to achieve those goals.

Move Into Your California Home Today

Are you ready to find the right type of lending product to move into a home in California, invest in real estate, or achieve other goals? Joshua Barton, Broker is ready to connect you with your ideal mortgage. To get started now, please give us a call today at (760) 692-4662 to schedule your consultation.