Conventional Mortgages

Fixed Mortgage Loans

  • Terms of 8, 10, 12, 25, 20, 22, 25, 27 and 30 years 
  • Max LTV up to 97% 
  • CLTV up to 105% 
  • Giftable down payment
  • Blended ratios for non-occupant co-borrower

Adjustable Rate Mortgage (ARM)

  • 3/1, 5/1, 7/1 and 10/1
  • Max LTV up to 95%
  • Giftable down payment
  • Blended rations for non-occupant co-borrower

High Balance or Super Conforming

  • Fixed/ARM
  • Eligible for higher Fannie Mae/Freddie Mac loan limits in high-cost areas
  • Avoid jumbo financing 

Multiple Property 

  • Fixed/ARM
  • For second home or investment property financing 
  • For borrowers with 7-10 financed properties 

Fannie Mae Home-Ready and Freddie Mac Home Possible 

  • CLTV up to 105%
  • Fixed rate
  • No minimum borrower contribution
  • Max LTV up to 97%
  • Both programs now limit borrower income to 80% of AMI
  • HomeReady can combine with features from Fannie Mae HomeStyle Renovation program to finance renovations or extensive remodeling.

Freddie Mac HomeOne

 • 97% LTV/105% TLTV/97% HTLTV
 • Purchase or “no cash-out” refinance
 • No geography or income limits
 • For purchases, at least one borrower must be a first-time homebuyer
 • When all borrowers are first-time homebuyers, at least one borrower must participate in homeownership education
• Primary residence only—all borrowers must occupy mortgaged premises

Get Started Today

You've answered a few questions, provided detailed information, applied online, and before you know it, you're moving in! We take care of all the loan details so you can focus on finding the new home that's right for you.

Have questions about the loan process? Call Pac West Home Loans at 909-660-8333. We answer questions about the loan process every day.