CALIFORNIA MORTGAGE OPTIONS

Find financing that fits your next move.

Explore home loans for buyers, homeowners, medical professionals, self-employed borrowers and investors.

Talk through your options Start an application

Start with your goal

The right conversation starts with how you earn, what you want to buy and where you want to go. Team Windes helps you compare available programs, understand documentation and weigh the costs and tradeoffs. Financing is available for eligible single-family homes and properties with up to four units, depending on the program.

First-time homebuyers

Build a clear plan for your budget, down payment, documents and path to preapproval.

Explore first-time buyer guidance

Conventional loans

Flexible purchase and refinance options for eligible primary homes, second homes and investment properties.

Explore conventional loans

FHA loans

Government-insured financing for eligible owner-occupied homes, with its own down payment and mortgage insurance requirements.

Explore FHA financing

Physician loans

Discuss specialized programs for eligible physicians and medical professionals at different stages of their careers.

Explore physician loans

Bank statement loans

An alternative documentation conversation for eligible self-employed borrowers.

Explore bank statement loans

Profit and loss loans

Discuss programs that may use a qualifying business profit and loss statement, subject to lender requirements.

Explore profit and loss loans

DSCR investor loans

Investment-property financing that evaluates qualifying rental income in relation to property debt payments.

Explore DSCR financing

Hard money loans

Discuss eligible short-term investment scenarios, including costs, property requirements and the repayment plan.

Explore hard money financing

More ways we can help

Jumbo loans

Financing needs above applicable conforming loan limits call for a conversation about lender criteria, reserves and overall structure.

Construction loans

Building plans require attention to the project, budget, builder, timeline and how financing transitions as work is completed.

Home equity & refinance

Compare a HELOC or refinance with your current mortgage, costs and long-term goals before deciding whether a change makes sense.

VA loans

Eligible veterans, service members and qualifying surviving spouses can discuss VA-backed financing and applicable eligibility requirements.

Discuss a loan scenario

Compare the full picture

Consider the interest rate and APR, closing costs, cash needed, mortgage insurance where applicable, monthly payment and any prepayment or balloon-payment terms. Availability, property eligibility and documentation requirements vary by lender and program.

Visit our mortgage FAQs or meet your Team Windes loan officers before your next conversation.

Let's make your next step clear.

Talk with Sasha, Todd or Tyler about your California financing plans. We will help you understand your options, documentation and next steps.

Contact Team Windes (800) 675-0819

All loans are subject to credit, property and underwriting approval. Programs and terms vary by lender and may change. This information is not a commitment to lend. Team Windes operates as a division of TYKY. Company NMLS #1048641 | CA DRE #01919683. Equal Housing Opportunity.