Mortgage Loan Programs – FHA, VA, Jumbo & More
As a licensed broker with NEXA Mortgage - the nation's largest brokerage - I have access to over 200 lenders offering competitive rates and flexible programs for every Orange County homeowner and buyer.
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
Access $50K - $500K • Prime + 0% intro rates available
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
- ✓Tax-deductible interest on home improvements
- ✓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 today's rates
- ✓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
Purchase & Other Loan Programs
FHA Loans
Perfect for first-time buyers with as little as 3.5% down
Key Features:
- ✓Down payment as low as 3.5%
- ✓Flexible credit requirements
- ✓Gift funds allowed for down payment
- ✓Competitive interest rates
Best For:
First-time homebuyers, buyers with limited down payment
VA Loans
Exclusive benefits for military veterans and service members
Key Features:
- ✓No down payment required
- ✓No private mortgage insurance
- ✓Competitive interest rates
- ✓Flexible underwriting
Best For:
Military veterans, active service members, eligible spouses
Conventional Loans
Traditional financing with flexible terms and options
Key Features:
- ✓Down payments from 3% to 20%
- ✓Excellent rate options
- ✓Various term lengths available
- ✓PMI removal options
Best For:
Buyers with good credit and stable income
Jumbo Loans
Financing for high-value properties in Orange County
Key Features:
- ✓Loan amounts above conforming limits
- ✓Competitive jumbo rates
- ✓Flexible down payment options
- ✓Various ARM and fixed-rate options
Best For:
Luxury home purchases, high-value Orange County properties
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 interest rates. I can help improve your score before applying.
Down Payment
Larger down payments often result in better rates and eliminate the need for mortgage insurance.
Property Type
Primary residences typically get the best rates, 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.
Interest rates 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 NEXA Mortgage.