My Signature Programs
My Signature Programs
First-Time Buyer Loan Programs
First-Time Buyer Loan Programs
We understand the importance of empowering first-time homebuyers on their path to financial freedom. That's why our mortgage loan website proudly presents a comprehensive selection of programs tailored for you.
Explore the FHA loan, an excellent option for those starting their homeownership journey. Additionally, we offer Conventional loans such as Fannie Mae's 'Home Ready' and Freddie Mac's 'Home Possible with as little as 3% as a down-payment! These programs provide unique opportunities for first-time buyers to unlock their dream of homeownership.
And let's not forget CalHFA's remarkable low to zero down-payment programs, exclusively available in California. CalHFA understands the challenges faced by first-time buyers and has crafted these programs to be the ultimate stepping stone towards your new home.
From favorable terms to flexible down-payment options, these initiatives are designed to empower and support you every step of the way.
At our mortgage loan website, we believe in your ability to achieve your homeownership goals and secure a brighter future. Let's embark on this life-changing journey together!
FHA
An FHA mortgage loan is a government-backed loan option that allows individuals with lower credit scores or limited down payments to qualify for homeownership, providing them an opportunity to secure a home loan with more lenient requirements.
Conventional
A conventional mortgage loan is a traditional home loan that is not insured or guaranteed by the government, typically requiring higher credit scores and larger down payments, making it an ideal choice for financially stable buyers looking to secure a mortgage with favorable terms and competitive interest rates.
VA
A VA (Veterans Affairs) mortgage loan is a specialized home loan program exclusively available to eligible veterans, active-duty service members, and surviving spouses. Backed by the government, VA loans offer unique benefits such as zero down payment requirements, competitive interest rates, and relaxed credit and income criteria, making it a powerful financial tool for those who have served our country.
Sell & Buy
Sell & Buy
Imagine the peace of mind that comes with selling your house and purchasing your dream home. With a fixed-rate loan and just a 3.5% down payment, you can navigate this process smoothly, securing your future and building wealth along the way.
When the moment arrives to sell your home, aim higher and choose nothing less than a trusted local expert. Rely on the unwavering expertise and integrity of local Realtors® who genuinely care and will support you throughout the process.
List Your Home With One Of Our Preferred Local Realtors®
When it's time to sell your house, trust in the expertise and integrity of local realtors who genuinely care, providing unwavering support throughout the process, ensuring a successful and satisfying selling experience.
Buy Your Next Home With A Loan Brokered By BirdEye Loans, Inc.®
For the seasoned homebuyer aiming to put a larger down payment on their next purchase, our offerings provide an opportunity to navigate the buying process smoothly. With a fixed-rate loan and the flexibility to make a larger down payment, you can secure your dream home, bolster your wealth, and establish a solid financial foundation, offering you peace of mind and a stronger position in the market.
Refinance
Refinance
Maximize the financial potential of your home through strategic refinancing, allowing you to unlock the equity built within its walls. Experience the freedom and flexibility that this process brings, as you tap into the untapped capital, enabling you to pursue your goals, whether it's renovating your home, consolidating debt, investing in education, or embracing new opportunities. Take advantage of the power of refinancing and create a brighter future with the resources you need at your fingertips.
Cash-Out Refinance
Refinancing to take cash out provides the opportunity to access the equity in your home, giving you the funds to cover major expenses, such as home improvements, debt consolidation, or other financial goals, all while potentially securing a lower interest rate or more favorable loan terms.
Rate and Term/No Cash-Out Refinance
A conventional rate and term refinance allows you to reduce your interest rate, potentially saving you a significant amount of money on interest over the life of your loan. On the other hand, FHA and VA "streamline" refinances offer the added advantage of not requiring income qualification or new appraisals, streamlining the process and providing a hassle-free way to lower your monthly payments and potentially save on interest without extensive documentation or additional costs.