Address: 3255 Ashbourne Cir San Ramon CA 94583
Call: 877-343-7379
Email: info@munshi.biz
Loan
Programs
Variety of loan options with great service
Loan Programs
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Construction Loans
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Home Equity Loans
A home equity loan allows you to borrow against the value you've built in your home. It functions as a second mortgage, providing you with a one-time lump sum of cash that you repay over a set period with predictable, fixed monthly payments at a fixed interest rate. This makes it an excellent option for large, one-time expenses like a major home renovation, debt consolidation, or educational costs. 🏡 Because the loan is secured by your home's equity, you can often access lower interest rates than you would with unsecured personal loans.
Conventional Fixed Rate Mortgages (FRM)
A conventional fixed-rate loan is a popular mortgage choice offering the ultimate in stability and predictability for your budget. As a conventional loan, it isn't backed by a government entity, and its "fixed-rate" means your interest rate and principal & interest payment remain the same for the entire life of the loan, typically for a term of 15 or 30 years. This consistency protects you from rising interest rates in the future, making it an excellent option for homebuyers who plan to stay in their home for many years and prefer a payment that never changes.
Adjustable Rate Mortgages (ARM)
An Adjustable-Rate Mortgage (ARM) is a conventional loan that offers a lower initial interest rate compared to a fixed-rate mortgage, resulting in a smaller monthly payment for the first few years. This loan features an initial fixed-rate period, commonly for 5, 7, or 10 years, after which the interest rate adjusts periodically based on market index changes. While this means your payment could increase after the initial term, an ARM can be a smart financial choice for buyers who plan to sell or refinance before the fixed period ends, or for those who want to maximize their purchasing power with a lower starting payment.
Jumbo Loans
A jumbo loan is a type of mortgage used to finance properties that are too expensive for a conventional conforming loan. Essentially, if your loan amount exceeds the limits set by the Federal Housing Finance Agency (FHFA), you'll need a jumbo loan. Because these loans can't be purchased by Fannie Mae or Freddie Mac, they often come with more rigorous qualifying requirements, such as a higher credit score, a larger down payment, and proof of significant cash reserves. They are the go-to financing solution for purchasing high-value or luxury homes in more expensive real estate markets.
Debt Service Coverage Ratio
A DSCR loan is a powerful financing tool designed specifically for real estate investors. Instead of verifying your personal income with tax returns or pay stubs, this loan qualifies you based on your investment property's cash flow. The Debt Service Coverage Ratio (DSCR) is calculated by dividing the property's gross rental income by its new monthly mortgage payment. 📈 As long as the rental income is sufficient to cover the mortgage debt (typically requiring a ratio of 1.0 or higher), personal income isn't a factor, making it an ideal solution for self-employed investors or those looking to expand their rental portfolio quickly.
FHA Mortgage Loans
An FHA loan, insured by the Federal Housing Administration, is a fantastic mortgage option, especially for first-time homebuyers or those with less-than-perfect credit. These government-backed loans make homeownership more accessible by offering a low down payment requirement—as little as 3.5% of the purchase price—and more flexible credit score guidelines than many conventional loans. 🏡 Because the FHA insures the loan, lenders are more willing to approve borrowers who might not otherwise qualify. This makes it one of the most popular and effective paths to buying your dream home.
Reverse Mortgage Loans
A reverse mortgage is a unique loan that allows homeowners aged 62 and older to convert a portion of their home equity into tax-free cash without having to sell their home. Unlike a traditional mortgage where you make monthly payments to a lender, a reverse mortgage pays you. You can receive your funds as a lump sum, monthly payments, or a line of credit. No monthly mortgage payments are required; the loan balance, plus interest, is repaid when the last surviving borrower sells the home, moves out permanently, or passes away. It's a powerful tool designed to help seniors supplement their retirement income while continuing to live in their home.
VA Mortgage Loans
A VA loan is an exclusive home loan benefit guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and select surviving spouses. This powerful program is designed to make homeownership more affordable as a thank you for your service. The most significant advantages are the ability to purchase a home with zero down payment and no private mortgage insurance (PMI), which can save you thousands of dollars upfront and over the life of the loan. With competitive interest rates and favorable terms, a VA loan is one of the best financing options available and a benefit you've earned.
Self-Employed Borrowers - Bank Statement Loans
A Bank Statement loan is a perfect financing solution for self-employed borrowers, freelancers, and small business owners whose income may be difficult to verify with traditional documents like tax returns. Instead of W-2s, this program allows you to qualify for a mortgage using 12 or 24 months of personal or business bank statements to document your cash flow. We analyze your deposits to determine a stable monthly income, providing a common-sense path to homeownership that reflects your true earning power. It's the ideal way to secure financing when your tax returns don't tell the whole story of your success.
Borrowers With Considerable Assets
An Asset Depletion loan is a specialized mortgage program that allows you to qualify for a home loan based on your liquid assets rather than traditional employment income. This is an ideal solution for retirees, high-net-worth individuals, or borrowers with significant savings but non-traditional income streams. We calculate a qualifying monthly income by dividing the total value of your eligible assets—such as stocks, bonds, retirement accounts, and cash savings—by a set number of months. This common-sense approach enables you to leverage your wealth to secure financing, even without a regular paycheck.
Hard and Private Money Loans
A Hard Money loan is a short-term financing tool perfect for real estate investors who need to act fast. Unlike traditional bank loans that focus heavily on your credit and income, hard money lending is based primarily on the value of the property itself (the "hard" asset). This asset-based approach allows for much faster approvals and funding, making it the ideal solution for fix-and-flip projects, construction financing, or securing a property when conventional financing isn't an option. If the deal makes sense and the property has solid value, a hard money loan can provide the speed and flexibility you need to seize an opportunity.
Foreign Buyers
A Foreign National loan is a specialized mortgage designed for non-U.S. citizens who wish to purchase real estate in the United States. We understand that you may not have a U.S. credit history, Social Security Number, or permanent residency, and this program is built to accommodate that. Instead of traditional U.S. income verification, we can qualify you using alternative methods, such as proof of foreign income, assets, and a substantial down payment. This loan provides a clear path for international buyers to invest in U.S. property, whether for a second home, vacation property, or investment.
Community Mortgages
A Community Mortgage is a special loan program designed to make homeownership more affordable and accessible, particularly for first-time homebuyers and those with low-to-moderate incomes. These loans often feature significant benefits, such as lower down payment requirements (sometimes as little as 3% with no personal contribution needed), reduced or no mortgage insurance costs, and more flexible credit guidelines. The goal is to break down common barriers to buying a home and help build stronger communities by empowering more people to achieve their homeownership dreams. Ask us if you qualify for one of these powerful programs.
ITIN loans
An ITIN loan is a mortgage solution specifically created for borrowers who work and pay taxes in the U.S. but do not have a Social Security Number. If you use an Individual Taxpayer Identification Number (ITIN) issued by the IRS, this program allows you to purchase a home using your documented income and tax history. Qualification is straightforward, typically requiring a valid ITIN, proof of a stable income, and a down payment. This loan provides a vital opportunity for hardworking individuals and families in our community to achieve the dream of homeownership without needing a Social Security Number.
Buyers With No Income
Dont have traditional income to qualify for a loan or have recent new income. With a 20% down no income verification loan, buy a home today and start saving. No income loans can also be used for cashing out of an existing property and an interim less expensive bridge loan while you transition to a more longer term loan.
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