Smart Financing Solutions for California Buyers
At Frontline Network, we offer a comprehensive lineup of mortgage loan products to meet the diverse needs of homebuyers, investors, and self-employed professionals across California. Whether you’re buying your first home, refinancing, or investing in real estate, we have a loan solution that fits.
Ideal for borrowers with solid credit and income history. These loans typically require a down payment of 3–20% and offer competitive fixed or adjustable rates.
Backed by the Federal Housing Administration, FHA loans are perfect for first-time buyers and those with less-than-perfect credit. Down payments can be as low as 3.5%.
No down payment, no PMI, and flexible credit standards for eligible veterans, active-duty military, and their spouses. VA loans are one of the most powerful benefits of military service.
For high-value properties that exceed conforming loan limits—common in many California markets. Strong credit and income documentation are required.
Predictable monthly payments with interest rates locked for the life of the loan—available in 15, 20, and 30-year terms.
Lower introductory rates that adjust after an initial fixed period (5, 7, or 10 years). Great for short-term ownership or refinancing plans.
Ideal for self-employed individuals who may not show enough income on tax returns. We use 12–24 months of personal or business bank statements to verify income.
For independent contractors and gig workers, we offer mortgage solutions based on 1099 income—no tax returns required.
Custom programs designed for business owners and freelancers with flexible documentation options beyond traditional underwriting.
Use your liquid assets (such as investments or savings) as a basis for qualifying, even if your monthly income is minimal or non-traditional.
Designed for borrowers without a Social Security number. If you have an Individual Taxpayer Identification Number (ITIN) and a solid financial profile, you may still qualify for a mortgage.
Perfect for real estate investors. These loans qualify based on the income potential of the property (rental income), not the borrower’s personal income or tax returns.
Whether you want to lower your rate, reduce your loan term, or tap into home equity for renovations or debt consolidation, we offer a range of refinance options including:
Rate & Term Refinance
Cash-Out Refinance
Investment Property Refinance
Loan Type | Down Payment | Credit Score | Best For |
---|---|---|---|
Conventional | 3–20% | 620+ | General buyers with steady income |
FHA | 3.5% | 580+ | First-time buyers or lower credit |
VA | 0% | Flexible | Military personnel and veterans |
2nd Mortgage | 0% | 680+ | Home Equity loan up to 90%CLTV |
Jumbo | 20%+ | 720+ | High-value homebuyers |
1099 | 15%+ | 620+ | Self-employed or gig workers |
Asset Utilization | 20%+ | 620+ | High-net-worth individuals |
ITIN | 20%+ | 660+ | Non-citizens with no SSN |
DSCR | 20%+ | 620+ |
Real estate investors |
Contact us to learn more
Experience the genuine approach to real estate with Frontline Network, where success is not measured by the number of sales but by the positive outcomes we achieve for everyone we serve.