Home Loans Made Easy for You
From RENTING to OWNING in 5 simple steps!
Owning a home is easier than you think! With our straightforward guidance, you're just steps away from your dream home. Let us guide you through every stage of the journey.
5 simple steps to homeownership!
Schedule a call to get pre qualified.
Get a written pre-approval or verified approval.
Work with your realtor for properties within your parameters and submit offers
Go through inspections and loan processing
Sign documents & close, get keys, become homeowners.
Home Loan Programs
As low as 0% Down Payment
Low or no credit score required
No mortgage insurance ever
Easy streamline refinance option
Down payment options as low at 3%
Mortgage Insurance may be required up to 20% down payment
Removable mortgage insurance
Lowest monthly payment
Credit scores starting at 620
Ideal for borrowers with good credit and down payment
Ideal for most first-time home buyers
Only 3.5% down payment required
Down payment assistance option available
Streamlined refinance option available
Credit scores starting at 580
For loan amounts above Fannie, FHA, or VA county limits
Currently not available
Learn More - No Doc Loans
Bank Statement Loan
12-24 months bank statement for income deposit verification
No tax returns required
No W2 or 1099 required
Options as low as 15% down payment
Credit scores starting at 660
Learn More - Bank Statement Loan
Investor DSCR Loan
Debt Service Coverage Ratio
Possible no ratio loan
As low as 20% down payment
No tax returns required
No W2 or 1099s required
Credit scores as low as 660
Learn More - DSCR Loan
P&L Only Loan
Profit & Loss Loan
CPA certified P&L provided as income
Down payment as low as 20%
Minimum credit score 680
Learn More - P&L Only Loan
Foreign National ITIN Loans
Coming soon - Please inquire.
Learn More - ITIN Loans
1099 or W2 Only Loans
1099 Statements only
Learn More - 1099 Only Loans
Asset Utilization Loans
Credit scores as low as 660
Assets used as income
20% down payment required
Income formula below
Monthly Income = Total Asset / 60 months
Learn More - Asset Utilization Loans
Reverse Mortgage / Reverse Purchase
Retire comfortably with a reverse mortgage! Get rid of an expense, or have some extra cash for retirement. Enjoy the home without the stress.
Must be 62 years and older
No monthly payment
Cash out option
Monthly stipend option
Primary home only
Learn More - Reverse Mortgage
Down Payment Assistance
Soft 2nd loan
Local / State Programs
Work with a lender & realtor to identify local programs
Learn More - Down Payment Assistance Programs
Temporary Rate Buy Down
Interested parties to contribute towards buyer's rate buy down:
Buyer/seller agent credit
Lender option may be available
Example: 3-2-1 temporary rate buy down means:
If original rate is 7%
1st year rate is 7% - 3% = 4%
2nd year rate is 7% - 2% = 5%
3rd year rate is 7% - 1% = 6%
4th year rate is 7%
NOTE: Buyer must qualify at the 7% rate BEFORE the temporary buy down
Purpose on this is to help the buyer make the payments more affordable while banking on future rates to drop for a refinance.
Remaining balance on the temporary rate buy down belongs to the buyer.
Contact us for more details
How to Get Approved
Connect with one of our veteran loan officers to help get you pre-approved.
As low as:
0% with VA Loan
3.5% with FHA loan
5% with Conventional
Credit Scores starting at:
500 with VA Loan
580 with FHA Loan
620 with Conventional
2 years working history
Some exceptions may apply. Please, talk to a loan officer to find out.
VA Loan - up to 65%
FHA Loan - up to 57%
Conventional - up to 50%
We have additional loan products that can help the unique borrower.
What customers say about us
"If you need a mortgage, trust me David is your guy!! I looked at over 5 lenders and he provided the best rates out of all them hands down. Additionally he will work with you personally to develop the best plan for your specific situation. Would give 6 stars if there was an extra star!"
"David is YOUR GO TO Guy for real estate needs as he's patient to understand my situation and listen to my story. He gather the information he needed to give me a clear and concise plan so I can be a homeowner using my VA Home Loan within a 3 year window. Giving true Good, Better, and Best scenarios for my specific position with my finance, credit report, and vision of being a homeowner. Never had this before when I attempted to get pre-approved for a home; he actually checked in with me occasionally to see if I keep up with the tasks we laid out. HIGHLY recommended!!!"
Equal Housing Opportunity © 2023 Apache Mortgage Inc, 695 Town Center Dr., Suite 1200, Costa Mesa, CA 92626, 949-799-4329. NMLS ID # 2454357 DRE # 02209550 & 02031005. For licensing information go to www.nmlsconsumeraccess.org. Trade/service marks are the property of Apache Mortgage Inc and/or its subsidiaries or affiliates. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. For more information, review Apache Mortgage Inc's state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of Apache Mortgage Inc, Mortgage Broker. All loan programs are subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. [12-2023]