Home loan options, in plain English.

• First-time buyers

  First-Time Home Buyer Loans

  First-time home buyer guidance in Southern California: loan options, down payment assistance, and the steps to get pre-approved. NMLS 2115125.

  Learn more: First-Time Home Buyer Loans

• Government-backed

  FHA Loans

  Learn how FHA loans work: 3.5% down with a qualifying credit score, mortgage insurance, and loan limits. Guidance from Dan The Truong, NMLS 2115125.

  Learn more: FHA Loans

• For veterans

  VA Loans

  VA home loans for eligible veterans, service members, and surviving spouses: often no down payment and no monthly PMI. Guidance from Dan The Truong.

  Learn more: VA Loans

• Most common

  Conventional Loans

  How conventional mortgages work: down payments from 3% for qualifying buyers, PMI that can be removed, and fixed or adjustable terms. NMLS 2115125.

  Learn more: Conventional Loans

• Higher-priced homes

  Jumbo Loans

  Jumbo and high-balance loans for higher-priced Southern California homes: limits, down payment, and reserves explained. Dan The Truong, NMLS 2115125.

  Learn more: Jumbo Loans

• For homeowners

  Refinance

  When does refinancing make sense? Compare rate-and-term, cash-out, and streamline refinance options and your break-even point. NMLS 2115125.

  Learn more: Refinance

• International clients

  Loans for Overseas Buyers

  Buying U.S. property from Asia or overseas? Learn the financing options, documents, and down payments international buyers should expect. NMLS 2115125.

  Learn more: Loans for Overseas Buyers

Educational information only, not a commitment to lend. Program availability, eligibility, rates, and terms vary by borrower, property, and lender. Loans are offered only in states where Dan The Truong is licensed — see NMLS Consumer Access.