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Loan Programs

We are creating lifetime connections with borrowers on a journey to homeownership. We close on time, every time. Come into our office or give us a call. We’ll help you determine what you can afford and the type of loan that is most suitable for you.

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Conventional Home Loans

in San Diego

- Credit scores to 620
- Down payment as low as 3%
- Flip properties eligible
- Multiple fixed rates and ARM products
- Mortgage insurance options: lender paid mortgage insurance 
- Seller credit can cover an upfront mortgage insurance
- High balance loan limits available in designated areas
- Owner-occupied, second home or investment
- Direct Fannie Mae and Freddie Mac lender
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VA Home Loans

in San Diego

- Credit scores to 500
- No mortgage insurance required
- Seller credit can be applied to recurring and non-recurring closing costs
- Owner-occupied only
- Cash reserves generally not required
- Up to 6% seller credit towards closing costs
- High balance loan limits available is designated areas
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FHA Home Loans

in San Diego

- Credit scores to 500
- No money down
- Down payment can be 100% gift funds from a family member
- Owner-occupied only
- Cash reserves generally not required
- Extra Credit Teacher Program
- Up to 6% seller credit towards closing costs
- High balance loan limits available is designated areas
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Jumbo Home Loans

in San Diego

- Credit scores to 680
- Fixed Rates and ARM Products
- Loan Amounts up to $2,500,000
- Maximum Cash Out up to $500,000
- Minimum borrower contribution is 5%; Gift funds allowed on primary residence only
- Owner Occupied, second home or investment
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We are your local San Diego Mortgage Professionals

Learn More about The Willson Team Mortgage Advisors
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