Home Loans Working Out For You!FHA Mortgage Loan

Are you searching to finance the most perfect new house or conserve money on a refinance in Ca? Our company is your trusted resource when it comes to mortgage process that is entire.

Want more infomation on financing that is right for you personally?

We allow it to be simple for one to find that loan choice that meets your requirements. Just a couple of presses and we’ll give you an answer that fits you actually.

Working together with a varied Group of Borrowers

At Harbor View Funding, we make use of homebuyers and property owners which have a variety that is wide of and objectives. We could assist you to secure financing for the wide variety of loans including:

An FHA loan is extremely popular, especially for first-time home purchasers, with an advance payment as little as 3.5%. FHA loans are usually better to be eligible for than main-stream mortgages and borrowers with credit issues is approved with a low-interest price.

FHA Streamline Refinance

An FHA Streamline refinance may be the way that is easiest to refinance a current FHA loan without any verification of assets, work, or income needed. There’s no appraisal necessary, so underwater home owners ought to utilize this system.

VA Mortgage Loan

VA loans can be obtained to qualified veterans, task responsibility workers, plus some surviving partners. The VA system provides flexible loans with low-interest rates, less strict requirements, with no advance payment or personal home loan insurance coverage required.

Reverse Mortgage

A reverse mortgage is present to home owners aged 62 and older who wish to access the equity inside their house. There are not any earnings needs as there are not any monthly premiums to make.

HomePath home loan

HomePath loans are available on properties owned by Fannie Mae. This program payday loans Tennessee is sold with a 5% advance payment requirement with no home loan insurance coverage.

HARP Home Loan

This federal system helps homeowners refinance their mortgage just because these are typically underwater or have quite equity that is little.

USDA Mortgages

USDA mortgage loans can be obtained on homes in designated rural areas to home owners within earnings restrictions. A USDA loan does not have any deposit requirement much less stringent demands than many loans.

Traditional Loans

The standard loan just isn’t backed by the federal government and it is a good choice for borrowers with exemplary credit and a considerable payment that is down.

Jumbo Mortgage

A loan that is jumbo conforming loan restrictions. Despite greater borrowing expenses, jumbo loans provide a few benefits, such as the capacity to purchase an even more costly house with a competitive rate of interest.

Fixed Rate Mortgage

Fixed rate mortgages retain the exact same price for the life span associated with the loan and so are most suitable for borrowers who would like a predictable homeloan payment that won’t increase significantly.

An rate that is adjustable has a lesser basic rate of interest that later adjusts annually. A supply comes with an interest that is initial far lower than the usual fixed-rate loan with a reduced homeloan payment.

Private Cash Loans

Personal cash or difficult cash loans are acquired through a person or company. These loans are really easy to be eligible for with quick approval and money. This program is most readily useful for fixer uppers and house flippers.

Bridge Loans

A connection loan, or swing loan, is just a short-term loan utilized to secure the purchase of an innovative new house until long-term funding is acquired.


A house equity personal credit line is that loan put up as being a relative personal credit line with an optimum draw. Many HELOCs are 2nd mortgages having a draw duration that lasts as much as ten years and repayment terms as much as two decades allowing home owners to gain access to their house’s equity.


Refinancing home financing takes care of a preexisting mortgage loan and replaces it with a brand new loan. Refinancing could be done to have a lowered rate of interest, access equity in your home or refinance into a various sort of mortgage.

Construction Home Loans

Construction loans are employed by borrowers who wish to build their house. While these loans are short-term, numerous could be changed into permanent funding whenever house construction is complete.

Balloon Loans

Balloon loans need an one-time payment at the finish for the mortgage, in return for reduced monthly obligations.

Interest Just Mortgage Loans

A pursuit just loan offers property owners a choice of making mortgage that is interest-only, in place of re payments that comprise of great interest and principal.

Assumable Loans

An assumable loan is the one that an experienced individual(s) may take over. Assumable mortgages enable a customer to assume the exact same rate of interest, payment duration, present stability along with other regards to the home loan as opposed to getting a brand new loan.

No Earnings Verification Loans

A no income verification loan, or reported loan, is popular among self-employed house purchasers that have difficulty documenting constant earnings or people who get earnings from a few sources.

Subprime Loans

Subprime loans are usually built to borrowers with the lowest FICO rating and a higher loan-to-value ratio.

Simplifying the Mortgage Process

Investing in house is amongst the biggest acquisitions you certainly will make. With therefore much information to look over, the outlook of also just starting to seek out a fresh house can feel daunting and overwhelming.

We are in the industry of assisting people and families discover the property that is perfect safe competitive home loan prices. You are looking for the home that is perfect we have been right right here and focused on assisting you to think it is.

Skilled Mortgage Experts

The experts at Harbor View Funding provide a range of expertise in terms of securing the financing that is best due to their monetary objectives, and matching potential buyers aided by the perfect property.

By dealing with an actual property expert at Harbor View Funding, you’ll have the main benefit of industry expertise and knowledge leading you the way that is entire.

Exactly Just What Our Clients Say

“My spouse and I also been using the services of Michael at Harbor View Funding during the last a couple of years through our initial home buying, then refinance whenever prices dropped. He could be a genuine expert plus a pleasure that is absolute make use of. There is absolutely no concern or information too tiny whenever reaching down to him. He will invest the time describing it before you completely understand it. We constantly felt he previously our needs in your mind.

Russell C. Chino, CA

“Michael therefore the Harbor View Funding group had been instrumental in attaining my goal of homeownership. As a first and initial time home owner|time that is first, I barely knew what to anticipate, particularly when it found funding, nevertheless they made each step associated with the process for the method clear to see, plenty less daunting, and actually enjoyable! They certainly were extremely patient, thoughtful, and fast in answering my questions that are endless. we’d strongly recommend Harbor View Funding to anybody seeking to finance .

Leila T. Newport Beach, CA

“We utilized Michael Mannino at Harbor View Funding for a purchase deal month that is last he went far beyond anybody customer. Absolutely nothing but praises through the family members whom utilized him. They contacted us once again to utilize Michael and Harbor View Funding due to their experience that is great with. He certainly obtained our trust for future recommendations. Many thanks Michael and Harbor View Funding.

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