Loan Programs

We provide more than great home loans. We offer the best resources, experience, and guidance through the entire process.

At Vision Mortgage, Inc. we strive to provide a wide range of loan programs and services to meet the unique needs of our clients in California and Idaho. Contact us today to learn more and get started on your homeownership journey and to see why a Mortgage Broker may be a better option for you.

Programs Offered by Our Mortgage Brokerage in California and Idaho:

Conventional Mortgages:

  • Fixed-Rate Mortgages: Secure a mortgage with a fixed interest rate for the entire loan term.
  • Adjustable-Rate Mortgages (ARMs): Benefit from a lower initial interest rate that may adjust periodically over time.
  • Jumbo Mortgages: Obtain financing for loan amounts exceeding the conforming loan limits.

Government-Backed Loans:

  • Federal Housing Administration (FHA) Loans: Access affordable financing options with low down payment requirements and flexible qualification criteria.
  • Veterans Affairs (VA) Loans: Exclusive to eligible veterans, active-duty service members, and surviving spouses, these loans offer favorable terms and benefits.
  • United States Department of Agriculture (USDA) Loans: Designed for rural and suburban homebuyers, these loans provide 100% financing and low-interest rates.

First-Time Homebuyer Programs:

  • Down Payment Assistance: Explore various programs that provide financial assistance or grants to help cover the down payment and closing costs.
  • CALHFA Down Payment Assistance.

Refinance Options:

  • Rate and Term Refinance: Replace your current mortgage with a new loan, adjusting the interest rate and/or term to better suit your needs.
  • Cash-Out Refinance: Tap into your home equity to receive cash for debt consolidation, home improvements, or other purposes.

Specialized Loan Programs:

  • Self-Employed Borrowers: Access mortgage options tailored to self-employed individuals, taking into account unique income documentation requirements.
  • Rehabilitation Loans: Secure financing for purchasing and renovating properties, such as FHA 203(k) loans.
  • Investment Property Loans: Obtain financing for purchasing or refinancing residential investment properties.

Other Services:

  • Pre-Approval: Get a preliminary assessment of your borrowing capacity, allowing you to house hunt with confidence.
  • Mortgage Calculators: Utilize our online tools to estimate monthly payments, affordability, and potential savings.
  • Personalized Consultations: Schedule a meeting with our mortgage experts for a comprehensive evaluation of your needs and tailored advice.