Programs

Loan programs built around your situation.

First-time buyers, self-employed borrowers, veterans, move-up families, and buyers whose deal stalled elsewhere. If a home loan is the goal, there is very likely a path, and I will help you find it.

First-Time Homebuyers & Down Payment Assistance

Your first home is closer than you think. Down payment help, grants, and low-down-payment programs can put keys in your hand sooner, for buyers who qualify.

  • Down payments at 0% with closing costs covered
  • Grants and forgivable loans available
  • CalHFA Dream For All: 20% down payment assistance program
  • Fannie Mae / Freddie Mac 3% conventional loan programs

First-time buyers ready to stop renting.

Veteran Loans

Thank you for your service! This loan is made for you. VA financing puts homeownership within reach with advantages no other program matches.

  • 0% down payments
  • No mortgage insurance
  • Rate advantages built into the VA program
  • Joint VA loans: veteran borrower with a non-veteran, non-spouse co-borrower

Active-duty, veterans, and military families.

FHA Loans

Flexible, forgiving, and built for real life. FHA opens the door for buyers with imperfect credit or limited cash. 100% Forgivable grants available for those who qualify.

  • FHA grant program: free down payment, 100% financing, no repayment required
  • Credit scores allowable into the 500s
  • Non-occupant co-borrowers welcome
  • Highly competitive FHA pricing for buyers who qualify

Buyers with credit or limited cash challenges.

Self-Employed Loans

Your tax return shows that you wrote it off. These programs qualify you using alternative methods to create usable income.

  • Bank statement loans with low expense-factor ratios
  • Asset depletion loans for high-net-worth individuals
  • Profit & loss statement loans, no bank statements needed
  • No Ratio loans

1099 Business owners, 1120S, LLCs..

Investor Loans

From experienced to first time, financing that moves at the speed of your deal. Get qualified on the property and the vision.

  • DSCR (Debt Service Coverage Ratio) loans
  • Bridge loans, short term, private money
  • Fix and Flip: 90% acquisition, 100% rehab costs based on ARV
  • Hard money options also available

Real estate investors at every stage.

Jumbo

Financing sized for high-value homes. Boutique underwriting that looks at your whole picture instead of rigid bank guidelines.

  • Loans to $7M with higher LTV
  • 10% down options, 50% DTI ratios, interest-only options
  • Annual option to recast your loan with large principal reductions
  • Easier to qualify than traditional banks: boutique underwriting

High-cost-market buyers.

Non-QM

When your situation doesn’t fit inside the standard box, these programs are the box built around you.

  • No Ratio owner-occupied to 80% LTV
  • ITIN (non-resident) loans, foreign nationals, international income
  • No verification of rents for first-time investors; commission reclassified as bonus
  • Shorter seasoning after bankruptcy, foreclosure, or short sale; marijuana-industry loans

Borrowers the big banks turn away.

Condos

Condo financing where others stall: non-warrantable associations, insurance deficiencies and quirks along with SB 326 issues handled without drama.

  • Limited condo reviews still available after August 1, 2026
  • SB 326 issues are not a problem for us
  • Pooled (multiple-carrier) insurance okay with us
  • Non-warrantable, DSCR, investor, 90% LTV with SB 326 problems: closed in 19 days

Condo buyers and owners, warrantable or not.

Program availability varies by state and by borrower, and not all applicants will qualify. This page is for general information only and is not a commitment to lend or an offer of any specific loan, rate, or term. All loans are subject to credit review, income and asset verification, appraisal, and underwriting approval.

The Process

What working together actually looks like.

The First Call

We talk, at no cost and no pressure. You tell me your goal and your worries, and I give you an honest read on where you stand and what is possible.

Your Playbook

I build a plan around your real numbers: what to save, which debts to pay down first, and any credit steps that can move your score before you ever apply.

Pre-Approval

Once the plan is in motion, we work toward a pre-approval so you can shop with confidence and make offers that sellers take seriously.

Under Contract

When you find the home, I go to work: paperwork, underwriting, and every deadline handled, with you updated at each step and no surprises at the table.

The Keys

We close, you get the keys, and I am still your lender for life: for the refinance question, the next move, or the friend who needs the same help you did.

Not sure where to start? Let's figure it out together.

Tell me your goal and I will give you an honest read on what is possible and the real steps to get there.

Start the Conversation Call (818) 441-2605
Equal Housing Opportunity Equal Housing Lender David M. Honda, Senior Loan Officer, NMLS# 1522058, California DRE Corporation License #02070171 powered by United American Mortgage Corporation, NMLS #1942 · www.uamco.com 3198-F Airport Loop Drive, Costa Mesa, CA 92626 · (818) 441-2605 · David@DavidHonda.com

David M. Honda, Senior Loan Officer, NMLS# 1522058. United American Mortgage Corporation, NMLS #1942, California DRE Corporation License #02070171. This website is for general educational and informational purposes only. It is not an advertisement for any specific interest rate or loan product, it is not an offer or a commitment to lend or to extend credit, it is not a Loan Estimate or a rate lock, and it does not promise approval. All loans are subject to credit review, income and asset verification, property appraisal, and underwriting approval. Rates, terms, programs, and guidelines are subject to change without notice. Not all applicants will qualify, and program availability varies by state and by borrower. David M. Honda and United American Mortgage Corporation are licensed to conduct mortgage business only in the states listed on our Licensing page. To confirm licensing, visit NMLS Consumer Access at www.nmlsconsumeraccess.org. Equal Housing Opportunity. Verify licensing at NMLS Consumer Access.