Loan Products

Mortgage Options Designed for California Residents

Explore with confidence

Explore Your Lending Options

At Homebound Lending, we provide mortgage solutions for a variety of financial profiles. Our goal is to offer flexible programs, transparent communication, and support throughout the financing process. Whether you’re purchasing a home or refinancing, our team will guide you each step of the way with integrity and care.

What we offer

Mortgages made simple,
with no surprises.

First-Time Homebuyer

Our first-time homebuyer loan products offer flexible financing options and competitive rates, helping you make your dream of homeownership a reality with ease and confidence.

Conventional Loans

If you’re looking for a traditional mortgage with straightforward terms and competitive rates, our conventional loan products are the ideal choice. Enjoy flexible down payment options and personalized guidance throughout the process.

FHA Loans

FHA loans are perfect for borrowers who may not qualify for conventional financing. With low down payment requirements and more flexible credit score criteria, these loans open the door to homeownership for a wider range of buyers.

USDA Loans

Designed for homebuyers in eligible rural and suburban areas, USDA loans offer the advantage of no down payment and competitive interest rates. These loans are a great option for those looking to settle in rural or semi-rural communities.

VA Loans

As a veteran or active-duty service member, you have access to exclusive VA loan benefits, including zero down payment options and competitive interest rates. At HomeBound Lending, we’re proud to help you secure home financing with no extra hurdles.

Refinance Options

Already a homeowner? Our refinance products let you take advantage of lower rates, consolidate debt, or access your home’s equity. Whether you’re looking to reduce your monthly payments or fund major projects, we’ve got a solution for you.

Jumbo Loan

For homebuyers seeking a loan amount that exceeds conventional loan limits, our jumbo loans provide financing for high-value properties. With competitive rates and flexible terms, we offer the funding needed for luxury home purchases.

Fixed Rate Mortgage

Why risk it? Protect yourself from market fluctuations and take advantage of near-record-low interest rates. Gain peace of mind with the security of a consistent monthly payment. Offering terms from five to thirty years, the majority of our loan products are available with fixed-rate options.

From start to close

How the Home Loan Process Works

We keep things clear and straightforward—so you always know what’s next. From your first conversation to final signing, we guide you through every step with clarity, care, and responsive support.

Step 1
Know What You Can Afford

Start by getting a clear picture of what fits comfortably within your budget. Use an affordability calculator or connect with us directly to explore your monthly payment range, estimated interest, and amortization details. This step sets a solid foundation for the rest of your journey.

Step 2
Choose the Right Loan Program

We offer a wide variety of loan types, including fixed and adjustable-rate mortgages, FHA and VA programs, jumbo loans, and more. Our team will help you find the option that fits your financial goals and homebuying plans.

Step 3
Partner with a Real Estate Agent and Start Shopping

Once you're pre-approved and have your budget in place, it's time to work with a real estate agent to find your future home. When you find the right one, you’ll submit an offer. After it’s accepted, escrow is opened—typically a 30-day process, though that can vary.

Step 4
Update Your Loan File

If some time has passed since your pre-approval, we may request a few updated documents. We'll review your loan details with you again—confirming your interest rate, loan terms, and estimated closing costs—so you're clear on what to expect before moving forward.

Step 5
Lock Your Rate

Ready to lock in your mortgage rate? Once confirmed, we’ll send you a rate lock agreement. A small lock deposit is collected at this point, which will be credited back toward your closing costs. You’ll also receive your initial disclosures, including a Loan Estimate, to review and sign.

Step 6
Home Inspection & Appraisal

During escrow, you'll schedule a home inspection to identify any potential issues with the property. At the same time, we’ll arrange an appraisal to verify the home’s market value. While inspections are optional, they’re highly recommended. The appraisal is required for the loan to proceed.

Step 7
Final Approval & Closing

Once underwriting gives the green light, we’ll send your final loan documents for signing—typically at an escrow or title office. After you sign, the loan is reviewed one last time, funded within a few business days, and just like that—you’re officially a homeowner.

Have Questions About Loan Options?

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