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Loan Programs

The following is a partial list of programs offered by Willow Financial with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 408-267-0562.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Stated Income Loans

Please contact us for more information

Non-QM Loans

Please contact us for more information

USDA Loans

A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.

Great for First-time Home Buyers
100% Financing (including Closing Costs)
No Down Payment Requirements
No Prepayment Penalties
Low Rates

Combo Loans to 95% CLTV (no MI) 80/10/10, 80/15/5

Please contact us for more information

12 Month & 24 Month Bank Statement Loans

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VA Mortgage Loans

Like a FHA loan, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences and cannot exceed a $417,000 loan limit.

For information on qualifying for this loan program please give us a call today.

Jumbo Loans

A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than $424,100. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates.

Learn more about jumbo loans by contacting us today.