Explore your Loan Universe

Start with your goal. Discover your next step.

Follow the buyer journeySee the big picture and explore each step at your own pace.
Compare your optionsUnderstand the different loan paths and what might fit your goals.
Save your progressKeep a checklist of the topics you want to explore.

My Plan

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    The Lendia Loan Universe is a map of the home loan programs and next steps available to California buyers and homeowners. Pick the topic closest to your situation, read how it works, and then talk with a Licensed Lendia California Loan Officer to see which one fits you best.

    Explore each loan type

    Conventional

    Not government-backed. Often the lowest long-term cost for borrowers with good credit. Some programs allow 3% down, and private mortgage insurance can be removed later.

    Conventional loan programs · Read the guide

    FHA

    Insured by the Federal Housing Administration. A down payment as low as 3.5% with a 580 or higher credit score, and more flexible qualifying.

    FHA loan programs · Read the guide

    VA

    For eligible veterans, service members and surviving spouses. No monthly mortgage insurance, and financing up to 100% for eligible borrowers. A funding fee applies unless you are exempt.

    VA loan programs · Read the guide

    Jumbo

    For loan amounts above the conforming limit in your county. Stronger credit and cash reserves are typically required.

    Jumbo loan programs · Read the overview

    Non-QM

    Alternative documentation for self-employed borrowers, investors and situations that do not fit standard guidelines.

    Non-QM loan programs · Read the overview

    Specialty

    HELOCs, home equity options and other niche programs for homeowners who want to use their equity.

    Specialty loan programs · Read the overview

    Reverse mortgage (HECM)

    For homeowners age 62 and older who want to turn home equity into cash flow without required monthly mortgage payments. You must still pay taxes, insurance and upkeep.

    Reverse mortgage guide · Read the overview

    Loan Estimate and Closing Disclosure

    Not a loan type, but the two documents that show your costs. Learn how to read them and what can change.

    TRID guide

    How do I choose?

    Not sure where you fit? At Lendia, we compare your options and show you the numbers side by side. Contact us or get a rate quote now.