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Specialty Loan Programs

Home Loan Types Specialty Loan Programs

More Options to
Meet Your Needs

At Cal Point Mortgage we understand that not everyone can qualify for conventional loan programs. That’s why Cal Point Mortgage now offers specialty niche programs in addition to our traditional home purchase options that can help you achieve your home-ownership goals.

. . . at your fingertips.

We offer a variety of programs:

  • ☑ Financing available 1 day out of foreclosure, short sale or deed-in-lieu
  • ☑ Borrow up to 80% of the value of the home
  • ☑ Late mortgage payments in the last 12 months acceptable
  • ☑ Non-warrantable condos acceptable
  • ☑ 100% gift funds allowed
  • ☑ Foreign National program — non-US credit accepted
  • ☑ No pre-pay penalty on owner-occupied or second homes
  • ☑ Bank Statement Program for self-employed borrowers
  • ☑ No maximum properties financed — can close in LLC (Limited Liability Company)
  • ☑ Investment property can use subject cash flow for income
  • ☑ Asset Depletion available — can use assets for income
  • ☑ Loans up to $2 million

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