More Loan Options Than Traditional Banks
As a mortgage brokerage, Delarosa Financial works with a wide network of lenders. This allows us to offer more flexible loan options than many traditional banks.
In addition to conventional loan programs backed by Fannie Mae and Freddie Mac, we also offer FHA, VA, USDA, jumbo financing, and first time homebuyer assistance programs.
We also work with borrowers who may have unique financial situations such as self employed income, limited credit history, or alternative income documentation.
Explore some of our most popular loan programs below.
30-Year Conventional Fixed
This is the most common program home buyers select. See how you can customize your term to a 15 year and ask about our 3% down.
FHA 30-Year Fixed
This program accommodates individuals with low credit scores and low down payment, all while having low interest rates.
Adjustable Rate
Get the lowest rates with no long term commitment.
HELOC
Home Equity Line of Credit is another great option to utilize your equity than doing a cash-out refinance. It's popular for using your equity without all the fees.
Down Payment Assistance Programs
All the way from full down payment coverage, closing cost assistnace. We've got you covered: Some popular programs we have are:
CALHFA, CHENOA, Home Town Heroes
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VA Loan
Backed by the U.S. Department of Veteran Affairs. Save with zero down payment and finance 100% on refinancing.
Investor Loan
Allows borrowers to finance up to 20 properties by using prospective monthly rental income to qualify for investment properties.
Jumbo Loans
Do not worry about finding a home above county loan limits. We have Jumbo programs that are only 10% down and also no PMI.
USDA Loan
Have no down payment when you find a home in a rural development area approved by the USDA.
Bank Statement Loan
Great option for self-employed borrowers