Every Loan.
Every Buyer.
Every Situation.
We have access to every residential loan program available — no limitations, no exceptions.
When Should I Start
the Home Buying
Process?
Most buyers underestimate how much runway they need. The answer isn't when you find a home — it's 6 to 12 months before you plan to buy.
6–12 Months Out: Get Pre-Approved
Early pre-approval creates a financial roadmap. We identify your borrowing power, flag any issues, and build a plan — before you're under pressure.
Address Credit & Documentation
Some buyers need time to optimize their credit profile or organize income documentation. Starting early turns obstacles into checkboxes.
Move Fast When You Find the One
In a competitive market, a pre-approved buyer wins. Sellers take you seriously. Your offer stands out. You close with confidence.
Build a Game Plan, Not Just a Loan
We map milestones — savings targets, credit benchmarks, down payment timelines — so every step moves you closer to the keys.
The bottom line: Buyers who start 6–12 months early are 3× more likely to close on their first accepted offer — and at better terms.
All Loan Types.
Zero Limitations.
Click any program to learn more. If a borrower qualifies, we have a path forward.
- Down payments as low as 3%
- No upfront mortgage insurance premium
- Available for primary, secondary & investment properties
- Conforming limits up to $766,550 (most counties)
- Down payment as low as 3.5%
- More flexible credit score requirements
- Allows gift funds for entire down payment
- Great for first-time homebuyers
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Available for eligible veterans, active duty & surviving spouses
- 100% financing — no down payment
- Available in eligible rural and suburban areas
- Income limits apply based on county
- Both purchase and refinance options
- Loan amounts above conventional conforming limits
- Available for primary and second homes
- Competitive rates for well-qualified borrowers
- Fixed and adjustable rate options available
- Bank statement loans for self-employed borrowers
- Asset depletion and DSCR options
- 1099-only income qualification available
- Ideal for non-traditional income profiles
- Revolving credit line secured by home equity
- Draw funds as needed during draw period
- Interest-only payments during draw phase
- Subordinate second lien — keeps first mortgage intact
- Fixed lump-sum disbursement at closing
- Fixed rate and fixed monthly payment
- Sits as a second lien behind your primary mortgage
- Ideal for one-time large expenses
- Asset-based underwriting — less focus on income
- Fast closings for time-sensitive deals
- Available for investors and non-traditional borrowers
- Bridge to conventional or permanent financing
- Based on property value, not borrower income
- Ideal for fix-and-flip and short-term hold strategies
- Faster approval and funding timelines
- Available for residential and commercial properties
- Available to homeowners age 62 and older
- No monthly mortgage payment required
- Proceeds as lump sum, line of credit, or monthly payments
- Borrower retains title and ownership
- Multi-family, mixed-use, and commercial properties
- SBA and conventional commercial loan options
- Portfolio and blanket loan solutions
- DSCR-based underwriting for investment properties
What Our Clients Say
5.0 · 77+ Verified Google Reviews
Your Path to
Homeownership
Starts Here.
Start your pre-approval today. No pressure, no obligation — just a clear picture of what you qualify for and a plan to get you there.
The right loan, the right guidance, everytime.
10850 Hartley Road,
Santee, CA 92071
(786)785-6409
[email protected]
OpusDeiMortgage.com
NMLS 2752624 DRE 02429029
