Loan Programs

Whether you are in Orange County, Los Angeles, Sacramento, San Diego, or anywhere else in CALIFORNIA, we can help you secure the right mortgage loan.

On this page you will find a brief description of our most popular programs.

Conforming Loans

Preferred Rate Mortgage offers a wide variety of conventional financing options on fixed and adjustable rate programs. Limited income documentation, 10 to 40 year terms and interest only options are available to accommodate the needs of potential home buyers or homeowners refinancing. These loans are fully amortized and have no balloon payment or prepayment penalty.

Jumbo Loans

We offer a variety of non-conforming, conventional, fixed, and variable-rate mortgage programs to meet your needs. Low down payment options are available, as well as financing up to $3,000,000. These loans are fully amortized and have no balloon payment or prepayment penalty.

Government Programs

Preferred Rate Mortgage offers government programs that will address your specific needs. Fixed and adjustable interest rates are available. Call 1-888-227-4411 for more information.

Loan Terms Available:

• Fixed Rates: 10, 15, 20, 25, 30, and 40 year terms
• Adjustable Rates: 1 year, 3 year, 5 year, 7 year, or 10 year fixed period with a 30 year term. Fully amortized!

Interest Only

Enjoy a low interest only payment for 10 years on first mortgages with no balloon payment.