Raymond Leija Mortgage offers programs and pricing you and your clients will love. With processing, underwritting, and local appraisers that truly know our market. In addition, we have Aggessive Loan programs that you’d be hard pressed to find anywhere else at very aggressive rates.

Conforming Fixed

Options that allow for up to
3% down

FHA,VA&USDA RD

Smaller down payments and expanded qualifying ratios.
We can lend down to a 500 FICO score on FHA.

Vacant Land

Options that allow for as little as 10% down

Jumbo Loans

Low rate options for  loan amounts up to $3 million

Home Ready & Home Possible

97% financing with reduced mortgage insurance for qualified borrowers.

Construction

Financing for the construction of a new home with as little as
5%* down.

Zero Down Payment Options

0% down payment option for the first-time and repeat home buyers.

Common Sense Portfolio Programs

Flexible programs and options for loans that don’t fit “in the box”.

Non Warrantable Condominium

Financing for newer condo projects that do not meet conventional guidelines.

Raymond Leija

Financing for qualified borrowers who have had a financial hardship such as a short sale or BK.

NON QM Loans

Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.

Renovation Programs

Streamline renovation loans that allow for the purchase and rehab for a home.

Home Equity Loans

Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.

Professional

Home financing for established professionals for as little as 3% down without monthly mortgage insurance.

Doctor Loans

Practicing Physicians may qualify for $0 down and no mortgage insurance.

Downpayment Assistant Programs

Options available to assist with down payment and closing costs for qualified borrowers.