PURCHASE
Home Purchase
How We Can Help You Purchase a Home
Buying a home is a big decision, and it’s important to have a partner to help you through the process. The Justin Leach Lending team is committed to helping our customers get the best possible mortgage for their needs.
We offer a wide range of mortgage products, including conventional loans, Jumbo Loans, FHA loans, VA loans, and Non-Conforming loans. We can also help you refinance your existing mortgage.
Our experienced team will work with you to understand your financial situation and goals. We’ll then help you find the right mortgage program for you and get you pre-approved for a loan.
Once you’re pre-approved, you’ll be able to shop for a home with confidence. You’ll know how much you can afford to spend, and you’ll be able to get a mortgage commitment quickly and easily.
We’re here to help you every step of the way, from pre-approval to closing. We’ll answer all of your questions and make sure you understand the process.
Contact us today to get started on your home buying journey!
Conventional Loans
THERE ARE TWO TYPES OF CONVENTIONAL LOAN PROGRAMS:
- Conforming Loan – Loans have a minimum and maximum loan limit set by theFederal Housing Finance Agency (FHFA).
- Non-Conforming or Jumbo Loan – Jumbo loans are typical in Los Angeles and Orange Countybecause of the high price of properties. The terms are less standardized, there is no government-setloan limit, and rates can vary by lender. Working with Mark Cohen will save you fromcalling multiple lenders for rates because we have access to most banks and investors.
- Conforming Loan – Loans have a minimum and maximum loan limit set by theFederal Housing Finance Agency (FHFA).
- Non-Conforming or Jumbo Loan – Jumbo loans are typical in Los Angeles and Orange Countybecause of the high price of properties. The terms are less standardized, there is no government-setloan limit, and rates can vary by lender. Working with Mark Cohen will save you fromcalling multiple lenders for rates because we have access to most banks and investors.
Minimum Conforming Loan limits for Los Angeles and Surrounding Counties*
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Maximum Conforming Loan Limits for Los Angeles and Orange County*
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Maximum Conforming Loan Limits for Ventura County*
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Maximum Conforming Loan Limits for Ventura County*
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Maximum Conforming Loan Limits for San Diego County*
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Non-Conventional Loans
- Self-employed (Non-QM loan)
- Limited proof of income (one-year of tax return history).
- Poor credit history, recent short sales, or foreclosures
- Foreign nationals
- Service members, veterans and surviving spouses of the armed forces (VA, CALVET loans)
- Low and moderate-income (FHA Loan)
- Good neighbor next door (formerly teacher/officer/firefighter next door)