Ben offers 7 specialized programs to match your unique financial profile — whether you're a first-time buyer, self-employed, an investor, or need down payment help.
The FHA loan is backed by the Federal Housing Administration and designed to make homeownership accessible for buyers who may not qualify for conventional financing. It's one of the most popular programs for first-time buyers in California.
With a minimum credit score of 580, down payments as low as 3.5%, and the ability to use gift funds, FHA loans open doors that other programs often close.
Conventional loans are the benchmark of the mortgage industry — not government-backed, but widely available and flexible. They offer competitive rates, lower costs at higher down payments, and work for a wide range of property types.
With a 20% down payment, you eliminate private mortgage insurance entirely — meaning lower monthly payments and more equity from day one.
Self-employed borrowers often write off significant expenses — which lowers taxable income and can make qualifying with traditional loans difficult. The Bank Statement loan solves this by using your actual cash flow, not your tax returns.
Ben uses 12 to 24 months of bank statements (personal or business) to calculate your qualifying income — no tax returns required.
The Profit & Loss Statement loan allows self-employed borrowers to qualify using their business income — documented through a CPA-prepared or CPA-signed Profit & Loss statement instead of tax returns.
Based on your most recent Profit & Loss statement prepared or signed by a CPA. No tax returns required.
The DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental income of the property — not your personal income. Your personal tax returns and pay stubs stay out of it.
If the property generates enough cash flow to cover the mortgage, you can qualify. Ideal for investors building or scaling a rental portfolio across California.
The 1% Down Payment Program makes homeownership a reality with the lowest entry point possible. You bring just 1% — and the lender contributes an additional 2% grant at closing, putting you at 3% equity in your home from day one with no repayment required.
This is one of the most powerful programs available for income-qualified buyers in California who are ready to own but need a hand with the down payment.
The California Housing Finance Agency (CalHFA) offers state-funded down payment and closing cost assistance to eligible first-time homebuyers in California. As a CalHFA-knowledgeable loan officer, Ben guides you through every step of this program.
CalHFA assistance comes in the form of deferred-payment junior loans — you don't make payments until you sell, refinance, or pay off the first mortgage. For many California buyers, this is the program that finally makes ownership possible.
Every borrower is different. Ben will review your full financial picture and recommend the exact program — or combination — that maximizes your buying power.