Home Purchase Loan Options

The right mortgage depends on the borrower, property and transaction. We can help you compare available options, including:

Conventional Loans

Traditional conforming and conventional financing for primary residences, second homes and investment properties, subject to applicable program guidelines.

Learn About Conventional Loans

FHA Loans

Government-insured financing that may provide more flexible qualification and down-payment options for eligible borrowers.

Learn About FHA Loans

VA Loans

Purchase financing for eligible veterans, active-duty service members and certain surviving spouses.

Learn About VA Loans

Jumbo Loans

Financing for higher-priced homes when the loan amount exceeds applicable conforming loan limits or when a jumbo structure otherwise fits the transaction.

Learn About Jumbo Loans

Reverse Mortgages for Purchase

Eligible homebuyers age 62 and older may be able to use a reverse mortgage to purchase a new primary residence, combining a down payment with reverse-mortgage proceeds, subject to program requirements.

Learn more about Reverse Mortgages

Specialty / Non-Conventional Financing

Additional programs may be available for self-employed borrowers, investors, unique income situations, higher-debt ratios, alternative documentation, and other circumstances that may not fit standard agency guidelines.

View Additional Loan Programs
Mortgage Home Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.  Learn More
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered. Learn More
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More
6

Closing

Signing the final documentation and receiving the keys to your new home! Learn More

Documentation:

Appraisal:

Underwriting:

Conditional Approval:

Clear to Close:

Closing:

All About Irvine

Irvine, California

Irvine is a city in Orange County, California. To the east, Orange County Great Park features an antique carousel and a giant, anchored helium balloon. Visitors can ride the balloon up for aerial views. Trails wind past ancient sycamore trees in Bommer Canyon. The Pretend City Children’s Museum has a kid-size post office, cafe and farm. Impressionist art from around California is displayed at the Irvine Museum. Source

Things To Do In Irvine:

Come Spend A Day In Irvine!

Call up your friends! It’s time to make some weekend plans. One of the best parts of owning a home at MDL is that you’re within 10 minutes of Irvine’s best places to shop, eat, learn, and just have plain ol’ fun. To save you time and overwhelm, here’s our curated list of the top 10 places to go and things to do in Irvine.

Named the Orange County Register’s Number 1 shopping destination in Orange County, this outdoor retail and dining center is at the top of local and tourists’ Irvine must-do lists, alike. A diverse collection of more than 130 specialty stores, restaurants and entertainment venues, The Spectrum, as it’s called by locals, features beautiful courtyards and fountains, a whimsical carousel, 108-foot ferris wheel, I-MAX movie theater and major retailers such as Nordstrom, Target and H&M. Source

Education in Irvine

About Irvine Educational System

The Irvine Unified School District (IUSD)(link is external) consistently ranks among the finest educational systems in the nation. Irvine schools offer innovative educational programs, open-style classrooms, team-teaching, some schools with year-round terms, and excellent community involvement. IUSD educates a diverse student population numbering over 36,000 (TK-12), in 24 elementary schools, one early childhood learning center, four K-8 schools, six middle schools, five comprehensive high schools, and one alternative high school.​ Source

Irvine Image Gallery

History of Irvine:

Irvine is rich in history!

Archeological research establishes prehistoric man in the Irvine area at least 12,000 years ago, possibly even 18,000 years ago. Scattered evidence of early campsites and rock shelters can be seen in the undeveloped parts of the city.

Gabrielino Indians moved into the Irvine area 2,000 years ago, establishing dozens of villages. One village was located near the present San Joaquin marsh and another near the San Joaquin golf course.

The Gabrielinos were of the Shosonean language group. They enjoyed an abundant food supply of shellfish, waterfowl and land animals. They lived in round, woven huts and were excellent basket weavers and makers of seashell and stone jewelry. Source

Irvine’s Neighborhood

Check out Irvine’s Neighborhood

Great Park Neighborhoods is taking shape around the perimeter of the Orange County Great Park in Irvine. It’s a collection of signature parks, surrounded by distinctive homes. With convenient access to the best Orange County has to offer. Top-ranking schools. Miles of walking and biking trails. And community gatherings that connect you with your neighbors. Speaking of neighbors, we have arguably the best one of all—the Orange County Great Park. Source