Discover New Loan Programs with Personalized Solutions

A jumbo loan is a specialized mortgage designed for purchasing or refinancing high-value properties that exceed the conventional loan limits set by government-sponsored enterprises. At Approve Los Angeles, we offer jumbo loans with flexible terms and competitive rates, empowering you to secure your dream luxury home with ease. Whether you're looking to invest in a spacious estate or a prestigious penthouse, our jumbo loan solutions provide the financial support you need for a lifestyle beyond compare. Discover the possibilities of upscale homeownership with our expert guidance and personalized jumbo loan options.

An FHA loan, backed by the Federal Housing Administration, is an excellent option for first-time homebuyers and those with limited down payment capabilities. At Approve Los Angeles, we are proud to offer FHA loans with flexible qualifying requirements and lower down payment options. This government-insured program provides you with the opportunity to achieve homeownership without the burden of a substantial upfront payment.

With an FHA loan, you gain access to competitive interest rates and the security of a loan backed by a reputable federal agency. Our experienced team will guide you through the FHA loan process, making it easy for you to embark on your homeownership journey with confidence.

A conventional loan is a tried-and-true mortgage option suitable for a wide range of homebuyers. At Approve Los Angeles, we offer conventional loans with competitive interest rates and various term options, making them an ideal choice for those seeking stability and flexibility.

With a conventional loan, you can enjoy the benefits of financing without government backing, and it provides the freedom to explore a diverse range of properties. Whether you're a first-time buyer or an experienced homeowner, our expert team will assist you in finding the perfect conventional loan solution to fit your unique needs.

A VA loan is a special mortgage program exclusively available to veterans, active-duty service members, and eligible surviving spouses. At Approve Los Angeles, we are committed to serving those who have served our country by offering VA loans with exceptional benefits and no down payment requirement.

With a VA loan, you can enjoy competitive interest rates and flexible qualifying criteria, making it easier to achieve the dream of homeownership. This government-backed program ensures that our brave heroes receive the support they deserve when embarking on their homeownership journey.

A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers who may not meet the strict qualifying standards of traditional mortgages. At Approve Los Angeles, we understand that financial circumstances can vary, and not all borrowers fit into conventional molds.

With our Non-QM loan options, we offer a flexible and inclusive approach to homeownership. Whether you're self-employed, have non-traditional income sources, or have unique credit circumstances, our Non-QM loans provide an opportunity to secure the financing you need.

The Debt Service Coverage Ratio (DSCR) is a critical financial metric used to evaluate the feasibility of real estate investments, especially for income-generating properties. At Approve Los Angeles, we recognize the significance of DSCR in ensuring financial stability and successful ventures for our valued clients.

DSCR represents the property's ability to generate sufficient income to cover its debt obligations, including mortgage payments, property taxes, and insurance. A DSCR of 1 or higher indicates that the property's net operating income is enough to cover its debt obligations entirely. A DSCR below 1 suggests potential cash flow issues and may raise concerns for lenders.

Private money loans, also known as hard money loans, are a valuable financing option for real estate investors seeking quick and flexible access to capital. At Approve Los Angeles, we specialize in offering private money loans tailored to meet the diverse needs of investors in the dynamic real estate market.

With private money loans, investors can seize time-sensitive opportunities, bridge financial gaps, and undertake renovations or property improvements to increase asset value. Unlike traditional lenders, private money loans focus less on credit history and more on the value and potential of the investment property.

A Home Equity Line of Credit (HELOC) is a powerful financial tool that allows homeowners to access their home's equity for various needs. At Approve Los Angeles, we offer HELOCs to empower homeowners with added flexibility and control over their finances.

With a HELOC, you can borrow against the value of your home up to a predetermined credit limit. This revolving line of credit functions much like a credit card, giving you the freedom to draw funds when needed and only pay interest on the amount borrowed.