Explore our comprehensive loan options designed to help you achieve your homeownership dreams. From FHA to VA loans, we have the right solution for every borrower.
Low down payment options
Traditional financing
For military veterans
Special programs available
Jump directly to the program that fits your needs.
Federal Housing Administration
FHA loans are government-backed mortgages designed to make homeownership more accessible. With lower down payment requirements and more flexible credit guidelines, FHA loans are perfect for first-time buyers and those with limited savings.
As low as 3.5% down payment
Credit scores as low as 580
Down payment can be a gift
Can be transferred to buyers
Traditional Financing Options
Conventional loans are the most popular type of mortgage, not backed by government agencies. They offer competitive rates and flexible terms, making them ideal for borrowers with good credit and stable income.
Avoid mortgage insurance
Often lower than government loans
Primary, secondary, investment
Up to conforming loan limits
Veterans Affairs Home Loans
VA loans are exclusively available to eligible veterans, active-duty service members, and surviving spouses. These loans offer incredible benefits including no down payment and no private mortgage insurance, honoring your service to our country.
100% financing available
No mortgage insurance ever
Often below market rates
Use multiple times
Your journey to homeownership starts here. Discover specialized programs and resources designed specifically for first-time buyers.
Grants and low-interest loans to help with down payments and closing costs.
Required courses that may qualify you for better loan terms.
Mortgage Credit Certificate (MCC) programs for annual tax savings.
3.5% down, flexible credit
3% down programs available
Understand your budget and show sellers you're serious.
Work with an agent who will help find what you are looking for.
Search within your budget and get a home inspection.
Final loan approval, walk-through, and key handover.
Save for extras: Budget for moving costs, utilities setup, and immediate repairs.
Research neighborhoods: Consider schools, commute times, and future development.
Get multiple quotes: Shop around for the best mortgage rates and terms.
Don't skip inspection: A professional inspection can save you thousands later.
Specialized loan programs designed for entrepreneurs, business owners, and self-employed professionals who need flexible documentation options.
Cash-out refinancing and rate-and-term refinancing designed for self-employed borrowers to optimize their real estate investments.
Access equity for business growth
Lower payments, better terms
Bank Statement 2nd loans that help build client relationships and prepare for future refinancing opportunities when rates improve.
Keep your existing 2-3% rate intact
✓ Keep your existing low-rate first mortgage intact
✓ Get immediate equity access through our 2nd loan
CLOSED LOAN: Not a HELOC or line of credit - you receive the full loan amount at closing!
Bank statement documentation accepted
As rates drop in the future, we'll analyze your blended rate and determine the optimal time to refinance both loans into one.
Let's connect to determine which self-employed loan program is the best fit for your needs. Our residential team at Western Pacific Home Loans will have a loan officer reach out to answer any questions you may have and guide you through the options.
Specialized programs to help make homeownership more affordable with solar energy solutions and down payment assistance options.
Hoper Program
The FHA Solar loan program allows you to finance both your home purchase and solar panel installation in a single mortgage, making renewable energy accessible from day one of homeownership.
Finance home purchase and solar installation together
Lower monthly utility bills from day one
Low down payment (3.5%) and flexible credit requirements
Solar panels can increase property value and appeal
Down Payment Assistance
California Housing Finance Agency (CalHFA) approved programs provide down payment and closing cost assistance to help first-time and qualifying repeat buyers achieve homeownership.