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Loan Options

Types of Loans

Find the Loan That's Right For You

Whether it’s your first home or your retirement oasis, CSMC Mortgage is a solution-focused lender. We have a wide range of loan options to meet your unique needs. Our loan officers are here to help educate you on the different loan products so you can decide which loan product best fits your needs.

Conventional

Conventional loans are loans that are not backed by a government agency and are subject to the county loan limits in your area.

Jumbo

Jumbo loans are loans that are over the county loan limits that are typically close to or over the million-dollar range. These loans are best suited for high dollar purchases and will require at least a 5-10% down payment.

Reverse

With a reverse mortgage, homeowners 62+ can get cash from their property’s equity while still owning and living in the home. We work directly with NRMLA approved lenders, ready to help you keep the home you worked hard to own.

FHA

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, or FHA. Popular with first-time homebuyers, FHA home loans require lower minimum credit scores and down payments than many conventional loans. They offer as low as 3.5% down payment, which can be 100% gifted from a family member.

NON QM

Non-Qualified Mortgage or Non-QM Loans offer many different options to qualify such as Bank Statement loan, Profit and Loss/CPA verified earnings loans, Debt Service or Investor loans, Cross Collateralization, EIN or a Foreign National loan.

VA

Veterans Affairs (VA) Home Loans are provided by lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms, such as low or no down payment. You’ve Served Us. Now Let Us Serve You.



A team of experienced loan officers are available to help you understand your home financing options. Contact Us Today!

“I had the best experience with CSMC Mortgage. Buying a home is very stressful with all of the paperwork that has to be filled out. Faye was amazing! I have given several people her contact info, who are scared to take the step to homeownership. She took ALL of the stress away for me. I honestly, didn’t have to do much. She accommodated my crazy work schedule and help me get things done in a timely manner. She made me feel so comfortable and at ease. There were no surprises when it was time to sign and pay. I highly recommend her to anyone in need of her services and guidance. I can’t thank her enough.”

- Lisa M.

“David Honda and his team rocked!! They had great technology that took so much of the pain of home buying away. They were attentive to our specific needs and were on top of our loan process! David was always available, even when he was in Hawaii, and super responsive! Thanks David, Melissa and the team for an easy and great home buying experience.”

- Raymond F.

“This review is about Mark and Darci Richardson from CSMC Mortage in Simi Valley. This team is the BEST! For the past 12 years our home was "underwater" due to the "crash" in 2007, and unable to do anything with the mortgage except pay it. These two kept on top of things and finally the house qualified to REFI. We just completed everything and it closed last week... and they saved us over $900 a month!! That's a huge savings for a couple of senior citizens! We are SO happy now and finally can breathe. Thanks to Mark and Darci and CSMC Mortgage for following through, jumping through all the hoops necessary and helping us out! I can't recommend them more... they are the BEST!!!”

- Shari S.

“With this being my first home purchase, my loan officer was very good at explaining everything to me and helping me with all my needs. Thank you for having such great people in the right place!”

- Cathleen H.

“Faye helped me purchase my first home last year. She was very professional and worked very quickly to help me procure financing. She made herself available around my schedule and took the time to explain my options for financing to help me get the lowest rate possible. Would highly recommend her to anyone looking for someone that is professional, highly knowledgeable, polite, and responsive.”

- James Z.

“CSMC Mortgage took great care of us and our home buying needs. Tony was more than we could have ever asked for, he went above and beyond for us and we couldn’t have been more grateful for all his hard work. CSMC Mortgage has a great and friendly staff, I would highly recommend them to anyone looking into buying a home.”

- Jannet A.

“Baret Grigorian was amazing!! From start to finish Baret was there to help in every way. I never felt like I had to call him to follow up on my loan transaction and he always kept me informed. He was able to get me great financing rates, a lower payment AND money back! Thank you Baret!! I look forward to working with you again in the future!!”

- Kenny D.

“These folks are conscience and easy to work with. The “calm” as the “storm” of home loans rolls through! I would not use anyone else. They make sure ALL your questions are answered, be that what competitors may have offered, or ads you may have heard or seen. What a pleasure to do business with. Thank you team CSMC.”

- Michael G.