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Fixed Rate Home Loan   - It's a good time to buy a home. It's a good time to refinance, lower your payments and save a lot of money.  Plus, the interest you pay on a home loan may be tax deductible.  Back to top


Adjustable Rate Home Loan  - An adjustable rate mortgage (ARM) can be easier on your wallet, help you qualify for a larger mortgage, and could be much less expensive overtime. It offers you a lower starting interest rate, which can give you lower initial monthly payments and make it easier for you to qualify.  Back to top
100% Financing Home Loan - In many cases American Residential Funding can make it possible to purchase your home with 100% financing. That's right no down payment.  Back to top
First Time Buyer - If you want the stability for your family that home ownership provides, but don't think you can afford to buy a home this loan might surprise you.  For instance, because it's designed specifically for persons with low or moderate incomes, down payments are affordably low: from 5% down to as little as 3% down. 
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FHA / VA Home Loans - FHA and VA loans are very attractive because they offer a low down payment (3%), the seller can pay all recurring costs, and there are no cash reserves. The entire down payment can be a gift, credit doesn't have to be perfect, they have liberal debt to income ratios, and co-signers are accepted.  Back to top
Refinance - You can save lots of money by getting a lower interest rate. Plus your monthly payments also could be a lot lower. If you took out your loan when interest rates were high or someone just charged you too much to start with, you owe it to yourself to find out if you can get a better deal.  You have nothing to lose and many dollars to gain. Plus, the interest you pay on a home loan may be tax deductible. Check with your tax advisor. Act now!  Back to top
Home Equity Line of Credit - This is a line of credit secured by the equity in your home. It is an excellent plan when you simply want the money to be there in case you need it.  For example, if you decide at any time that you want new furniture, a new car, to add a room, paint the house, or anything else you can think of, all you have to do is write a check. That's it.  You pay no interest until you use the line. Plus, since this is a revolving line of credit, as you pay back what you borrow, the money is yours to use over and over again.  Back to top
Imperfect Credit Loans - Many mortgage lenders are very unforgiving if your home, car, or credit car payments have been late, if you've declared bankruptcy or if your home as been foreclosed.  We understand that people often have valid explanation for past credit problems - sickness, loss of job, divorce and other reasons.  If your credit history has a few bruises or even if have experienced a bankruptcy or other credit problems we're here to work with you. Back to top