Loan Programs

FHA loans are government-backed mortgages insured by the Federal Housing Administration. They are ideal for first-time home buyers and those with less-than-perfect credit.

• Down payments as low as 3.5%
• Credit scores as low as 580 qualify
• Competitive interest rates
• Flexible income requirements
• Available for single-family, multi-family, and condos

VA loans are exclusively available to eligible veterans, active-duty service members, and surviving spouses. They offer outstanding benefits with no down payment required.

• No down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• Easier qualification standards
• Available for purchase and refinance

Hard money loans are short-term, asset-based loans secured by real property. They are ideal for real estate investors who need fast funding for fix-and-flip projects or investment properties.

• Fast approval and funding
• Based on property value, not credit score
• Flexible terms for investors
• Fix-and-flip and bridge financing
• Commercial and residential properties

A reverse mortgage allows homeowners age 62 and older to convert a portion of their home equity into tax-free funds — with no monthly mortgage payments required as long as you live in the home.

• No monthly mortgage payments required
• Must be age 62 or older
• Stay in your home and retain ownership
• Tax-free proceeds (consult a tax advisor)
• FHA-insured HECM program available

Our first-time home buyer program is designed to make homeownership accessible. With 96.5% financing available, you can get into your first home with a minimal down payment.

• 96.5% financing available
• Minimum down payment required
• Short sale options available
• Credit counseling support
• Down payment assistance programs

Sanlor Financial offers commercial financing solutions for business owners and real estate investors looking to purchase or refinance commercial properties in Southern California.

• Office, retail, and industrial properties
• Multi-family investment properties
• Competitive commercial rates
• Flexible loan structures
• Experienced commercial lending team