Flexible Financing Options

Explore Our Loan Programs

We offer a comprehensive suite of mortgage products designed to fit every unique financial profile—from first-time buyers and veterans to self-employed individuals and investors.

Standard Financing

Conventional Home Loans

Conventional loans are standard mortgages not backed by a government agency. They offer highly competitive interest rates, flexible terms, and options for down payments as low as 3% for first-time home buyers.

  • Down payments as low as 3% to 5%
  • Flexible 10, 15, 20, and 30-year fixed terms
  • PMI can be cancelled once 20% equity is reached
  • Adjustable Rate Mortgage (ARM) options available
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Conventional

Most popular choice for borrowers with solid credit history.

VA Military Loan

Eligible VA borrowers may qualify for up to 100% financing.
Military Benefit

VA Home Loans

Backed by the Department of Veterans Affairs, VA loans are an exclusive benefit for military service members, veterans, and eligible surviving spouses, with low or no down payment options for eligible borrowers.

  • Eligible borrowers may qualify for up to 100% financing with no down payment
  • No Private Mortgage Insurance (PMI) required
  • More lenient credit guidelines & highly competitive rates
  • Flexible refinancing with VA IRRRL (Streamline)
Check VA Eligibility
Government Backed

FHA Home Loans

Backed by the Federal Housing Administration, FHA loans are designed to make homeownership accessible for buyers with lower credit scores or smaller down payments, requiring only 3.5% down.

  • Low down payment requirement of just 3.5%
  • More lenient credit scoring requirements (580+)
  • Gift funds allowed for down payment & closing costs
  • Co-signers allowed to help qualify for income
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FHA Loan

Excellent option for first-time buyers and growing families.

Non-QM / Bank Statement

Qualify using bank statements rather than tax returns.
Alternative Financing

Non-QM & Bank Statement Loans

Designed for self-employed individuals, business owners, and gig economy professionals who have strong cash flow but write off expenses on their tax returns, making conventional qualifications difficult.

  • Qualify using 12 or 24 months of business/personal bank statements
  • No tax returns or W-2s required
  • Asset Depletion & DSCR (Investor cash flow) options
  • Perfect for real estate investors and entrepreneurs
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Premium Properties

Jumbo & Luxury Mortgages

For high-end home purchases that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. Jumbo loans offer competitive rates and flexible guidelines for luxury estate purchases throughout California.

  • High loan amounts up to $3M+
  • Highly competitive interest rates
  • Options with as low as 10% down
  • Flexible underwriting for complex income profiles
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Jumbo Mortgage

Custom tailored financing for elite California properties.

Dual-Licensed Advantage: Realtor & Broker

Did you know Mary Ann Garcia Berges is licensed as both a seasoned Real Estate Broker and an independent Mortgage Specialist? When you combine your purchase and home financing with our team, we can optimize your negotiation power and offer exclusive closing cost savings!

Browse Real Estate Listings Learn About Closing Credit

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