OneRay for Fresno Mortgage Loan Officer
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Fresno Mortgage
REFINANCE Loan Programs


OneRay HOME PAGE
PURCHASE LOAN APPLICATION
REFINANCE LOAN APPLICATION
PURCHASE TOOL & RESOURCE LINKS
  SINGLE FAMILY (1-4 units)
  • Conventional Loans
  • Jumbo (Conforming limits to $650,000)
  • Super Jumbo (over $650,000)
  • Non-Conforming (Institutional & Private Money)
    • Sub-Prime - Bad Credit
    • Alt Doc - Reduced Documentation
    • Recent Bankruptcy/Foreclosure/Short Sale
  • Federal Government Loans
    • FHA (Federal Housing Admin.)
    • VA (Veteran's Administration)
    • USDA Guaranteed Home Loan (Rural Development)
      • USDA Streamline Refinance
      • USDA Pilot Program
    • USDA Direct Home Loans
  • CA State Government Loans
    • Cal-HFA (Housing Fianance Assistance)
  ADD-ON PROGRAMS & 2nd's
  • Government Programs
    • US Federal Programs
    • CA State Programs
      • None
    • Local City & County Programs
      • None

OUR SPECIALTY PROGRAMS
  • Senior Mortgage Refinance
  • Construction & Rehabilitation Programs
    • Owner Occupied Property Borrower
      • Fixer upper - Rehab
      • Construction
        • Owner Builder
        • Contractor Builder
    • Investment Property Borrower
      • Fixer upper - Rehab
      • Construction
        • Builder Pre-Sold
        • Builder Spec/Model
  • Investment Properties (NOO)
    • Purchase
    • Refinance
  • Second/Vacation Homes