Our Loan Products.

Contact us to explore the loan product that is right for you.

What Are Your Available Loan Options?

With many different loan options available on the market, it can be difficult to decide which one fits your needs best. We've explained each type of loan package below, helping you make an educated decision on your future. Depending on your circumstances, you may qualify for one or more of the following options. We'll help guide you through this ardous process to ensure you get a secure choice with the most benefits.

Conventional Loans

A conventional loan is a popular choice for buyers with strong credit who want flexibility and great rates. It's a simple, dependable option for many homebuyers.

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FHA

FHA loans are designed to help buyers who need flexible credit requirements and low down payment options. They offer a more accessible path to homeownership for many first-time and returning buyers.

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VA Loans

A VA loan provides government-backed benefits for qualified military borrowers, including no down payment and competitive terms. It's one of the most cost-effective ways for veterans and service members to purchase a home.

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USDA Loans

USDA loans help eligible buyers purchase homes in designated rural areas with no down payment required. Backed by the USDA, they offer affordable financing for those looking to live outside major city centers.

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Jumbo Loans

A jumbo loan provides expanded borrowing power for homes above standard lending limits. It's a smart choice for qualified buyers seeking luxury, space, or higher-value properties.

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Reverse Mortgage

A reverse mortgage lets qualifying seniors access their home's equity without selling or taking on monthly payments. It's a strategic option for enhancing retirement income and maintaining long-term financial stability.

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First-Time Homebuyer

A first-time homebuyer loan provides added support for new buyers through easier qualification and affordable entry costs. It's a strong path for turning your first home purchase into a reality.

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Specialty Loans

A Non-QM loan provides customized financing for buyers with non-traditional income or complex financial profiles. It's a smart option when you need more flexibility than standard mortgage programs allow.

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Success, Measured in Happy Homeowners.

Your Experience Is the Benchmark.
At Team Molina, we are driven by the passion to serve our community. We're not your average Mortgage Lender - and from first call to closing day, your satisfaction is how we measure success.

Got Questions?
Ask us Anything.

Jose Molina
Sr. Loan Officer
NMLS# 240269
209-609-0212
jose@team-molina.com
eFax: 209-444-0101