Loan Programs

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

Mortgage Rate Options

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Fixed Rate

Not all mortgages are created equal. For example, while some borrowers choose adjustable-rate mortgages (ARMs), the most frequent loan type is the fixed-rate mortgage.

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Adjustable ARM

The Adjustable ARM (Adjustable Rate Mortgage) Policy is a financial mechanism designed to provide flexibility to American homeowners in managing their mortgage payments.

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Interest Only

An Interest Only Mortgage is a type of loan where the borrower makes monthly payments that solely cover the interest accrued on the principal amount borrowed.

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Graduated Payment

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time

Loan Program Options

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FHA Home Loan

An FHA loan is a government-backed mortgage loan that allows you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score.

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

Emery Financial Home Loans/ land loan

USDA Loans

A USDA home loan is a zero-down payment mortgage for qualifying rural homebuyers issued through the USDA loan program.

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Jumbo Loans

A jumbo mortgage can provide you the larger funds traditional loans do not cover — given that you can find a lender that offers one, satisfy the requirements, and afford the higher cost.

FIRST-TIME HOME BUYERS

Start your home search with a free pre-qualification, getting you ready for the process ahead. Plus, we can connect you with a trusted real estate agent through our network.

Emery Financial Home Loans/ first time home buyers

REVERSE MORTGAGE

A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also, like a conventional mortgage, the title to your home remains in your name when you take out a reverse mortgage loan.

LOW DOWN
PAYMENT

Coming up with a down payment is one of the biggest challenges for many people looking to buy a house, causing them to delay their dream of homeownership.

Emery Financial Home Loans/ low down payment purchase option

INVESTMENT PROPERTY LOANS

Investment property loans are a type of mortgage specifically designed for purchasing properties intended to generate income, such as rental properties or commercial real estate.

REFINANCE

When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.

NON-QM Loans

Emery Financial Home Loans/ 1099 mortgage

1099
Mortgage

On a conventional home loan, the lender is restricted to using only the taxable portion of the applicant's salary for qualification purposes.

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Bank Statement
Loans

A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.

Emery Financial Home Loans/ debt service coverage loan

Debt Service Coverage
Loan

As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan, a type of no-income loan

Emery Financial Home Loans/ ITIN mortgage

ITIN Mortgage

Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.

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Asset Utilization

Maximize your resources and minimize waste with Asset Utilization - the secret weapon of successful businesses.

Emery Financial
Home Loans

We bring a customized, unique approach to mortgages. Our lending solutions use the perfect hybrid of human-driven insights and technical prowess to process loans faster and significantly reduce costs.

PHONE

(925) 575-7978

Mobile

(925) 383-6939

E-MAIL

jrodrigues@emeryfinancial.com

ADDRESS

524 Hartz Ave Suite A
Danville, California 94526

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Disclosure:

The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

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