Purchases
Home Financing Solution
Conventional Loans
Non-Conventional Loans
Multi-Family & Construction Loans
Finding the right home financing for your single-family home, condo, townhouse, land, or multi-family property is easier than you think. With so many loan programs, lenders, and interest rates to choose from, it can feel overwhelming. Let us help simplify the process.
Conventional loans are not government-backed like FHA or VA loans, but most are secured by Government-Sponsored Enterprises (GSEs) such as Fannie Mae and Freddie Mac.
Types of Conventional Loans:
1. Conforming Loans – These loans adhere to limits set by the Federal Housing Finance Agency (FHFA).
2. Non-Conforming (Jumbo) Loans – Common in high-cost areas like Los Angeles and Orange County, these loans exceed the FHFA limits and have more flexible terms. Rates can vary, but with Mark Cohen, you’ll have access to competitive rates from a wide network of banks and investors, saving you time and effort.
Non-conventional loans are designed for those who may not meet traditional lending criteria. Our team specializes in these loan products and will help you secure the best solution for your unique situation.
Perfect for:
• Self-employed individuals (Non-QM loans)
• Borrowers with limited income documentation (e.g., one year of tax returns)
• Those with challenging credit histories (e.g., recent short sales or foreclosures)
• Foreign nationals
• Veterans, service members, and surviving spouses (VA, CALVET Loans)
• Low-to-moderate income borrowers (FHA Loans)
• Participants in the Good Neighbor Next Door program (formerly for teachers, officers, and firefighters)
We provide financing for new constructions, property improvements, and multi-family investments:
• Construction Loans – Finance new builds or renovate and expand existing properties.
• Multi-Family Loans – Secure funding for acquisitions, refinances, or new construction of multi-family properties (up to five units). Available through both conventional and non-conventional loan options for owners and investors.