Loan Programs
Compare clear loan programs for buying, refinancing, investing, and choosing the right mortgage option with Raven Armenta’s trusted guidance.
Loan Programs?
Clear Mortgage Loan Programs For Confident Decisions
Your Loan Geek helps you compare mortgage programs with clear guidance and practical support from Raven Armenta. Whether you need an FHA loan, VA loan, conventional loan, jumbo loan, refinance option, first-time buyer program, DSCR loan, or specialty financing, you get simple explanations and a clear path toward the loan option that fits your needs.
Options that allow for up to 3% down
Options that allow for as little as 10% down
Low rate options for loan amounts up to $3 million
Financing for the construction of a new home with as little as 5%* down.
Smaller down payments and expanded qualifying ratios. We can lend down to a 500 FICO score on FHA.
97% financing with reduced mortgage insurance for qualified borrowers.
0% down payment option for the first-time and repeat home buyers.
Flexible programs and options for loans that don’t fit “in the box”.
Financing for newer condo projects that do not meet conventional guidelines.
Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.
Financing for qualified borrowers who have had a financial hardship such as a short sale or BK.
Streamline renovation loans that allow for the purchase and rehab for a home.
Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.
Home financing for established professionals for as little as 3% down without monthly mortgage insurance.
Practicing Physicians may qualify for $0 down and no mortgage insurance.
Options available to assist with down payment and closing costs for qualified borrowers.
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Common Questions
Everything You Need To Know Before Applying
Your Loan Geek helps with mortgage loans, refinancing, FHA loans, VA loans, conventional loans, jumbo loans, DSCR loans, reverse mortgages, down payment assistance, and specialty loan options.
Yes. Raven helps first-time buyers understand pre-approval, loan options, estimated payments, down payment needs, and the steps needed to move toward homeownership.
Raven reviews your goals, budget, credit profile, income, and property plans to help you compare loan options clearly before you apply.
Yes. Raven can help you review refinance options, monthly payment goals, equity use, loan terms, and whether refinancing may make sense for your situation.
Yes. Your Loan Geek can help qualified buyers explore down payment assistance options and understand program requirements, loan steps, and possible benefits.
The first step is to request a quote or start a pre-approval. Raven will review your details and explain the next steps clearly.
Yes. Raven helps investors explore loan options such as DSCR loans, fix-and-flip financing, ground-up construction loans, and other specialty mortgage solutions.
Your Loan Geek provides mortgage guidance for California borrowers, including Encino, Hollywood, Beverly Hills, North Hollywood, and Sherman Oaks.