Mortgage Loan Programs — Find the Right Fit
From first-time purchases to investment portfolios, Christopher Hovenier structures financing across twelve loan programs so you get the right fit for your income, credit, and property — not a one-size-fits-all rate quote.
Find the Right Loan for Your Situation
Each program below is built for a different kind of borrower. Not sure which one fits? Call and Christopher will walk you through it.
Conventional
Competitive rates for buyers with solid credit and stable income, with PMI that can be removed once you build equity.
Learn moreFHA
Government-backed financing with down payments as low as 3.5% and flexible credit requirements for first-time buyers.
Learn moreVA
Zero-down financing with no monthly PMI for eligible veterans, active-duty service members, and surviving spouses.
Learn moreDSCR
Investment property loans qualified on the property's rental cash flow, with no personal income verification required.
Learn moreNon-QM / Self-Employed
Bank statement and 1099 income programs for self-employed borrowers and business owners whose tax returns don't tell the full story.
Learn moreJumbo
Financing above conforming loan limits for Orange County's higher-priced markets, from strong-credit buyers to move-up purchases.
Learn moreRefinance
Rate-and-term refinancing to lower your payment, or cash-out refinancing to put your home's equity to work.
Learn moreCash-Out Refinance
Replace your mortgage with a larger loan and take the difference in cash, for debt payoff, improvements or other goals.
Learn moreHELOC
A revolving line of credit secured by your home's equity, ideal for renovations or as a flexible financial cushion.
Learn moreHome Equity Loan (HELOAN)
A fixed, one-time loan against your home's equity with a predictable payment, while your first mortgage stays in place.
Learn moreReverse Mortgage
For homeowners 62 and older, converting home equity into usable income with no required monthly mortgage payments.
Learn moreHard Money / Bridge
Fast, asset-based financing for fix-and-flip investors and time-sensitive purchases that don't fit conventional timelines.
Learn moreHow Christopher Helps You Choose
With twelve distinct loan programs available, picking the right one isn't always obvious — and the wrong choice can cost you thousands over the life of the loan. Christopher starts every conversation by understanding your goals: are you buying your first home in Mission Viejo, competing for a listing in Irvine, adding a rental property in Laguna Niguel, or tapping equity on a home in Lake Forest? The answer shapes which program actually makes sense.
For W-2 employees with strong credit, that's often a straightforward conventional or FHA comparison. For veterans and active-duty families in Newport Beach and across Orange County, a VA loan usually wins on cost. For self-employed borrowers and real estate investors building portfolios in Aliso Viejo and beyond, Non-QM and DSCR programs open doors that traditional underwriting closes. Christopher runs the numbers across the programs that fit your profile and explains the tradeoffs in plain language, so you're choosing with full information rather than guessing.
Every loan is also matched to Orange County's market realities — higher conforming and FHA loan limits than much of the country, competitive purchase timelines, and lenders who expect a fast, well-documented file. That local context is part of what Christopher brings to every application, from initial pre-approval through closing.
Not Sure Which Loan Program Fits?
Call now or send your details — Christopher typically responds within 1 business hour.