Mortgage Loan Programs
Find the perfect financing solution for your home purchase
Popular Loan Programs
FHA Loans
Low down payment options with flexible credit requirements
- ✓3.5% down payment
- ✓Credit scores from 580
- ✓First-time buyer friendly
VA Loans
Exclusive benefits for veterans and active military
- ✓Zero down payment
- ✓No PMI required
- ✓Competitive rates
Jumbo Loans
Financing for high-value properties
- ✓Loan amounts over $766,550
- ✓Flexible terms
- ✓Portfolio lending
Non-QM Loans
Alternative documentation loans for unique situations
- ✓Bank statement loans
- ✓Asset-based loans
- ✓Self-employed options
DSCR Loans
Investment property financing based on rental income
- ✓No personal income verification
- ✓Multiple properties
- ✓Cash flow based
First-Time Buyer
Special programs for first-time homebuyers
- ✓Down payment assistance
- ✓Educational resources
- ✓Grant programs
Why Choose 21st Century Lending?
150+
Loan Programs
Access to the widest variety of mortgage options in California
98%
Approval Rate
Our expertise means more approvals for our clients
15+
Years Experience
Trusted by thousands of California homeowners
Ready to Get Started?
Find out which loan program is right for you
NMLS #2055084 | DRE #02154132