For my agent partners
The Agent Toolkit.
Tools that win deals, plain-English program guides you can hand to clients, and free co-branded marketing for your listings. Built for whether you're brand new or a 20-year veteran.
Tools
Financing program guides
Self-Employed & Business-Owner Mortgages in California
Full-doc and Non-QM options for 1099, business owners, and self-employed borrowers, where tax write-offs don't tank your approval.
Mortgage Insurance (PMI): What It Costs and How to Remove It
What private mortgage insurance costs, and the exact ways to get it off your payment.
Discount Points & Permanent Rate Buydowns
Pay points now to lock a lower rate for the life of your loan, do the math to know if it pays off.
California Down Payment Assistance & CalHFA Dream For All
Up to 20% down payment help from CalHFA, shared on your home's appreciation at sale or refinance.
Payment Smart 40-Year Interest-Only
The lowest payment up front — 40-year fixed, first 10 years interest-only.
Bridge Loan — Buy Before You Sell
Unlock the equity in your current home so you can buy the next one first.
First-Time Buyer Incentive
Up to $2,745 in lender fees waived for eligible first-time buyers.
First Responder Incentive
Up to $2,745 in lender fees waived for the people who show up first.
VA Loans — Zero Down for Veterans
0% down, no mortgage insurance, for veterans and active-duty service members.
FHA Loans — Flexible Credit, 3.5% Down
3.5% down with flexible credit — the workhorse for buyers banks say no to.
Jumbo Loans — Financing Above Conforming Limits
Big-loan financing for Orange County price points — competitive rates above the conforming limit.
HELOC — A Line of Credit on Your Equity
Tap your home's equity without touching your low first-mortgage rate.