Mortgage Loan Programs
Every buyer's situation is unique. As your broker, Dan reviews your goals and shops multiple lenders to find the loan program that gives you the best rate, lowest fees, and smoothest path to closing.
Loan Programs to Fit Your Needs
Whether you're buying your first home, upgrading, investing, or refinancing — I have the right loan program for you. I shop multiple lenders so you don't have to.
Conventional Loans
Start with as little as 3% down. Best for buyers with solid credit and stable income.
FHA Loans
Government-backed with flexible credit requirements. Perfect for first-time buyers.
VA Loans
Zero down payment for veterans and active duty service members. No PMI ever.
Jumbo Loans
Financing above conforming limits for higher-value properties in California.
HELOC
Tap your home equity for renovations, debt payoff, or anything you need. Fast close.
Commercial Loans
Multi-family, retail, office, and investment property financing for Kern County investors.
Refinance
Lower your rate, reduce your payment, or access cash from your equity.
Hard Money Loans
When banks say no, private money says yes. Fast funding for fix-and-flip and bridge loans.
Not Sure Which Loan is Right for You?
Call Dan at (661) 342-9381 — a 10-minute conversation will point you in the right direction. Free, no obligation.