Here is a basic summary of some of the loans available to California borrowers:

Payment Option Loans

• Full documentation
• Stated documentation
• No ratios
• Up to $3 million
• Ignore consumer payment lates up to 90% loan to value ratio

• These loans offer the borrower the chance to make a lower payment than a regular loan
• Interest only options are available for different loan terms, including 5, 10 or even more years

• This is the standard mortgage loan
• Options now include a 10 year interest only option
• Some lenders even offer an interest only options for all thirty years

• This is a newer loan term that allows borrowers to have a lower monthly payment

• This is a newer loan term that allows borrowers to have a lower monthly payment
• They are often only fixed for 30 years
• Some loans have a balloon pay
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• Up to $3 million
• Ignore consumer payment lates up to 90% loan to value ratio

• These loans offer the borrower the chance to make a lower payment than a regular loan
• Interest only options are available for different loan terms, including 5, 10 or even more years

• This is the standard mortgage loan
• Options now include a 10 year interest only option
• Some lenders even offer an interest only options for all thirty years

• This is a newer loan term that allows borrowers to have a lower monthly payment

• This is a newer loan term that allows borrowers to have a lower monthly payment
• They are often only fixed for 30 years
• Some loans have a balloon pa
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  r loan
• Interest only options are available for different loan terms, including 5, 10 or even more years

• This is the standard mortgage loan
• Options now include a 10 year interest only option
• Some lenders even offer an interest only options for all thirty years

• This is a newer loan term that allows borrowers to have a lower monthly payment

• This is a newer loan term that allows borrowers to have a lower monthly payment
• They are often only fixed for 30 years
• Some loans have a balloon pa
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  de a 10 year interest only option
• Some lenders even offer an interest only options for all thirty years

• This is a newer loan term that allows borrowers to have a lower monthly payment

• This is a newer loan term that allows borrowers to have a lower monthly payment
• They are often only fixed for 30 years
• Some loans have a balloon pa
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  nthly payment

• This is a newer loan term that allows borrowers to have a lower monthly payment
• They are often only fixed for 30 years
• Some loans have a balloon payment after the 30th year

• These loans allow people to not pay their mortgage for 90 days
• This is a variant on the minimum payment option loan
• They often feature minimum payment loan options

• Mortgage lates OK
• Verbal verification of employment
• Generally no need to document income, assets, or employment

• Very low documentation to 80% of the value of the property