Mortgage Loan Programs – FHA, VA, Jumbo & More
As a licensed broker with Lumin Lending - the nation's largest brokerage - I have access to over 200 lenders offering competitive pricing and flexible refinance programs for every Orange County homeowner.
HELOC & Cash-Out Refinance Options
Unlock your Orange County home's equity with flexible credit lines and loans
HELOC (Home Equity Line of Credit)
Flexible credit line up to $500K
Revolutionary fast-track program • Funds in 5-7 business days
Access $50K - $500K • Competitive variable rates
Refinancing Options
Already have a mortgage? Optimize it with our specialized refinancing programs.
Cash-Out Refinancing
Unlock your home's equity for major financial goals
Unlock $50K - $500K+ from your home
Key Features:
- ✓Access up to 80% of your home's value in cash
- ✓Rates often lower than personal loans or credit cards
- ✓Consolidate high-interest debt into one low payment
Best For:
Home improvements, debt consolidation, investment opportunities, education expenses, major purchases
Rate & Term Refinancing
Lower your payments or pay off your mortgage faster
Save $200-500/month on payments
Key Features:
- ✓Reduce monthly payments with current pricing
- ✓Eliminate PMI when you reach 20% equity
- ✓Switch from ARM to fixed-rate for stability
- ✓Shorten loan term to save thousands in interest
Best For:
Homeowners with rates above 6%, those paying PMI, ARM loan holders wanting stability
Loan Programs
FHA Refinance
Lower your monthly payment or eliminate PMI with an FHA refinance
Key Features:
- ✓Rate-and-term refinance options
- ✓Streamline refinance (no appraisal often needed)
- ✓Cash-out options available
- ✓Competitive loan pricing
VA Refinance
Exclusive refinancing benefits for military veterans and service members
Key Features:
- ✓Streamline Refinance (IRRRL)
- ✓100% Cash-out Refinance
- ✓No private mortgage insurance
- ✓Competitive loan pricing
Conventional Refinance
Traditional refinancing with flexible terms and options
Key Features:
- ✓Lower your interest pricing
- ✓Switch from adjustable to fixed rate
- ✓Eliminate private mortgage insurance
- ✓Various term lengths (15, 20, 30 years)
Non-QM & Specialty Programs
Alternative financing solutions for unique situations and non-traditional borrowers
Bank Statement Loans
Perfect for self-employed borrowers who can't document traditional income
• Up to $3M loan amounts
• Investment properties OK
Asset Depletion
Qualify using your assets instead of traditional income
• Investment portfolios
• High net worth borrowers
Fix & Flip Loans
Short-term financing for real estate investors and flippers
• Quick closings (7-10 days)
• Up to 90% ARV
DSCR Investment Loans
Qualify based on rental income, not personal income
• Portfolio lenders
• 1.0+ DSCR required
Foreign National Loans
Mortgages for non-US citizens investing in US real estate
• 25-40% down payment
• Purchase or refinance
USDA Rural Loans
Zero down payment for eligible rural and suburban areas
• Income limits apply
• Rural area requirement
P&L Statement Loans
CPA-prepared profit & loss statements for income verification
• CPA-prepared statements
• Business income focus
Factors That Affect Your Rate
Credit Score
Higher credit scores typically qualify for better loan pricing. I can help improve your score before applying.
Down Payment
Larger down payments often result in Better pricing and eliminate the need for mortgage insurance.
Property Type
Primary residences typically get the best pricing, followed by second homes and investment properties.
Ready to Find Your Perfect Loan?
Let me analyze your situation and recommend the best loan program for your needs.
Important Disclaimers
This is not a commitment to lend. All information contained herein is subject to change without notice. All loans are subject to credit approval, income verification, and property appraisal. Equal Housing Lender.
This material is not from HUD or FHA and has not been approved by HUD or any government agency. The information provided is for informational purposes only and is not an advertisement for products or services.
Loan pricing and loan terms are subject to change without notice. All information must be verified prior to loan approval. Mo Abdel - NMLS #1426884, Licensed Mortgage Loan Originator with Lumin Lending.