Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime. We offer 30 Yr Fixed, 20 Yr. Fixed; 15 Yr. Fixed and 10 Yr. Fixed.
Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
HARP 2.0 is a refinance option for homeowners that are "underwater," meaning they owe more on their home than their home is worth.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment. Our FHA loans starting at ONLY 580 FICO score
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.
Interest Only Mortgages
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.
Self-Employed Borrowers Loans:
We understand Self-Employed borrowers and offer an EZ alternative to Full Doc loans. Loans using ONLY bank statements to qualify are avaible.
What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.
Calculated Risk Analytics, LLC., d.b.a. Excelerate Capital is licensed by the Department of Business Oversight under the California Residential Mortgage License, CA RMLA #41DBO-45150. NMLS #1165716. 17802 Sky Park Circle, Suite #100, Irvine, CA 92614
17802 Skypark Circle, Ste. 100
Irvine, California 92614