Loan Programs

Mortgage Loan Programs

At Envoy Mortgage California, Robert and his team are prepared to inform, guide and help you acquire the Mortgage Loan that best fits your particular needs. I am sure by now you have been bombarded with loan jargon, ARM this Fixed that! Let’s clear the field and give you a simple explanation of what types of loans are available and which are suited to you.

Conventional / Conforming Loans

10-, 15-, 20-, 25-, 30-year terms
Texas 50 (a)(6) refinances (Texas Cash-Out Refinance)
Available in high-cost areas

No cash-out refinance
Reduced verification and documentation
High Loan-to-Value

No cash-out refinance
High Loan-to-Value
Reduced rate and/or term benefit to borrower

Lower down payment requirements
Lower MI

No MI
No appraisal
Fannie Mae owned properties
Available in high-cost areas

3, 5, 7, 10/1 LIBOR ARMs
Interest Only option
Available in high-cost areas

Non-Conforming (Jumbos)

15-, 30-year terms
Loan amounts up to $1.5MM

5, 7, 10/1 LIBOR ARMs
Loan amounts up to $1.5MM

Government Loans

Lower down payment requirements
15-, 20-, 30-year terms
3, 5/1 Treasury ARMs
203(k) Streamline rehabilitation loans
Non-credit qualifying refinance available
Available in high-cost areas

Contact Us

Contact us today at 209-809-3204 or email us directly, so together we can find a mortgage program that fits you and your family’s financial needs.

No down payment purchase transactions
15-, 20-, 30-year terms
Interest rate reduction refinance available
Available in high-cost areas

Residential rural areas
No down payment available

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