Loan Programs

We offer a range of mortgage programs for buying, refinancing and investing. A licensed loan officer can tell you which ones you may qualify for.

• Conventional: for buyers and homeowners with established credit and income.
• FHA: government-insured loans that can help first-time buyers.
• VA: for eligible veterans, service members and surviving spouses.
• USDA: for eligible properties in qualifying rural and suburban areas.
• Jumbo: for loan amounts above conforming limits.
• Renovation: finance a purchase or refinance together with improvements.
• Reverse mortgages: for eligible homeowners 62 and older.
• Specialty products: DSCR, bank-statement and other non-traditional options.
• Down payment assistance: help with the upfront cost of buying, for eligible buyers.

For more American Financial Network products, text or call LOLA at (949) 674-3760 or email info@directmyloan.com.

Frequently asked questions

How long does the mortgage process take?

It varies with your situation and how quickly documents come in. Your loan officer will give you a timeline for your file.

What credit score do I need?

It depends on the program. Requirements differ between conventional and government-backed loans, and a higher score can mean better terms. Your loan officer can tell you where you stand.

Can I get pre-approved?

Yes. Pre-approval reviews your credit, income and assets so you know your budget before you shop. A pre-approval is not a loan commitment.

What documents will I need?

Usually proof of income (pay stubs, W-2s), tax returns and bank statements. Your loan officer will tell you exactly what your file needs.

What if I don’t have much saved for a down payment?

Some programs, including certain government-backed loans and down-payment assistance, are designed for buyers with limited savings. Eligibility rules apply, so ask a loan officer which options fit you.