Loan Products & Programs
Not all loans are created equal, and that's actually a good thing. From government-backed programs to jumbo financing, find the product that fits your situation like a well-tailored suit.
Conventional Fannie/Freddie
The bread and butter of mortgage lending. Conventional loans backed by Fannie Mae and Freddie Mac for qualified Temecula borrowers.
Jumbo Loans
When your dream home exceeds conforming loan limits — because Temecula has some seriously impressive properties. Jumbo loan specialists serving the valley.
Construction Loans
Building from the ground up in Temecula? Construction loans that fund your vision from blueprint to move-in day.
FHA Loans
Lower down payments, flexible credit requirements, and government backing. FHA loans making Temecula homeownership accessible to more buyers.
VA Loans up to 100%
Zero down payment for those who served. VA loan specialists in Temecula honoring your service with exceptional financing terms.
USDA Loans with No Money Down
Rural development loans with zero down payment for eligible Temecula-area properties. Yes, some areas still qualify.
Alt-A Loans
Non-traditional documentation, self-employed borrowers, unique financial situations — alternative lending solutions for Temecula buyers who color outside the lines.
Frequently asked questions
Which loan program is best for first-time Temecula buyers?
FHA and conventional 3%-down loans are the most common starting points. A local officer will run both side by side so you can compare the monthly payment, PMI, and cash to close.
What is the difference between FHA and conventional loans?
FHA is government-insured with lower credit and down-payment floors but carries mortgage insurance for the life of the loan in most cases. Conventional is stricter up front but lets you drop PMI once you hit 20% equity.
Can I use a VA loan for a Temecula home?
Yes. Eligible veterans and active-duty service members can finance up to 100% with no PMI. Temecula has a large VA-eligible population, so most local lenders are well-practiced.
What is a jumbo loan and when do I need one?
Jumbo loans finance amounts above the conforming limit — currently around $806,500 in Riverside County. Temecula's higher-end and wine-country homes often cross that threshold.