Find the Right Loan — Not Just Any Loan
Every homeowner’s situation is different. Whether you’re buying your first home, investing, or exploring unique financing — there’s a loan built for you.
Most buyers don’t realize how many options they actually have — let’s find the right one for you.
⭐ 5.0 Rated | Realtor® + Loan Officer | Helping CA buyers find the perfect loan fit
Explore Your Loan Options
From conventional to creative financing — here’s every loan type I offer. Click any card to learn more, or let’s walk through it together.
Over the years, I’ve helped buyers use everything from FHA and VA to DSCR and Non-QM loans — there’s almost always a way to structure the deal.
Conventional Loans
Tired of jumping through hoops? Conventional loans offer flexibility, competitive rates, and fewer restrictions — ideal if you have solid credit and a down payment ready.
Explore →FHA Loans
Lower down payments, flexible credit requirements, and government backing make FHA loans one of the most accessible paths to homeownership.
Explore →VA Loans
Zero down payment, no PMI, and competitive rates — available exclusively to veterans, active military, and eligible surviving spouses. You earned this benefit.
Explore →Jumbo Loans
Need financing above conforming limits? Jumbo loans are designed for high-value properties with competitive rates for qualified borrowers.
Explore →Home Equity Loans
Your home has been building value — put it to work. Access your equity for renovations, debt consolidation, or major expenses with fixed-rate predictability.
Explore →USDA Loans
Zero down payment for eligible rural and suburban properties. If you’re buying outside major metro areas, USDA loans offer incredible value.
Explore →Reverse Mortgages
Age 62+? Convert your home equity into tax-free income without monthly mortgage payments. Stay in your home and supplement your retirement.
Explore →Refinance Loans
Lower your rate, shorten your term, or pull cash out. If your situation has changed since you closed, refinancing could save you thousands.
Explore →Non-QM Loans
Self-employed? Bank statements instead of tax returns? Non-QM loans offer flexible qualification for borrowers who don’t fit the traditional mold.
Explore →Foreign National Loans
No U.S. credit history? No problem. Foreign national loans help international buyers purchase property in the United States with specialized terms.
Explore →Construction Loans
Building from the ground up? Construction loans fund your project in phases and convert to a permanent mortgage when your home is complete.
Explore →Commercial Loans
Financing for investment properties, multi-unit buildings, and commercial real estate. Grow your portfolio with the right lending partner.
Explore →How Do You Choose the Right Loan?
Start with your situation — the right loan follows.
First-Time Buyer
FHA, VA, USDA, and conventional loans all offer low down payment options. I’ll help you compare them side by side so you pick the best fit.
Self-Employed or Non-Traditional Income
Bank statement loans, asset-based lending, and Non-QM products are built for entrepreneurs and freelancers who don’t fit the W-2 box.
Investor or Portfolio Builder
From DSCR loans to commercial financing, I work with investors daily to structure deals that cash flow from day one.
👉 Not sure where you fit? Let’s figure it out together in a quick call.
Not Sure Which Loan Is Right for You?
That’s exactly what I’m here for. Tell me your situation and I’ll recommend the best option — no pressure, no obligation.
I’ve helped hundreds of California homeowners find the perfect loan — let’s find yours.
Garry McDonald | NMLS #1922072 | DRE# 01781703 | (949) 534-6686