Loan Brokerage

Mortgage Loan Options at Frontline Network

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.

🔑 Traditional Loan Programs:

Conventional Loans

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.

FHA Loans

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%.

🪖 VA Loans

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.

💲 Jumbo Loans

For high-value properties that exceed conforming loan limits—common in many California markets. Strong credit and income documentation are required.

Flexible Rate Options:

🔒 Fixed-Rate Mortgages

Predictable monthly payments with interest rates locked for the life of the loan—available in 15, 20, and 30-year terms.

📉 Adjustable-Rate Mortgages (ARMs)

Lower introductory rates that adjust after an initial fixed period (5, 7, or 10 years). Great for short-term ownership or refinancing plans.

Loans for Self-Employed & Non-Traditional Income Borrowers:

📄 Bank Statement Loans

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.

🧾 1099 Loans

For independent contractors and gig workers, we offer mortgage solutions based on 1099 income—no tax returns required.

💼 Loans for the Self-Employed

Custom programs designed for business owners and freelancers with flexible documentation options beyond traditional underwriting.

💰 Asset Utilization Loans

Use your liquid assets (such as investments or savings) as a basis for qualifying, even if your monthly income is minimal or non-traditional.

Specialty & Investment Loans:

 ITIN Loans

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.

🏢DSCR Loans (Debt Service Coverage Ratio)

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.

Refinance Options:

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

📊 Compare Loan Types