Your Trusted Partner in Home Financing

 Conventional loans are one of the most popular mortgage options for qualified buyers. They offer competitive interest rates, flexible down payment options, and a variety of term lengths to fit your financial goals. Whether you’re purchasing your first home or upgrading to your forever home, a conventional loan can provide stability and long-term savings. Our team will help you compare fixed and adjustable-rate options so you can choose what works best for your budget. 

 FHA loans are designed to make homeownership more accessible, especially for first-time buyers. With lower down payment requirements and more flexible credit guidelines, this government-backed loan can help you qualify even if you’re just starting to build your financial profile. Altura Lending specializes in guiding new buyers through the FHA process — from pre-qualification to closing — ensuring that your first home purchase feels smooth, achievable, and rewarding. 

 VA loans are one of the best benefits available to our nation’s heroes. Backed by the U.S. Department of Veterans Affairs, these loans offer zero down payment options, no private mortgage insurance (PMI), and competitive interest rates. If you’re a veteran, active-duty service member, or eligible spouse, our team is honored to help you take full advantage of your VA home loan benefits. We’ll walk you through every step and make sure your service is rewarded with the home financing you deserve. 

 Down payment assistance programs can help bridge the gap for buyers who are ready to own a home but need a little extra support to get started. These programs offer grants, forgivable loans, or deferred payment options that reduce or eliminate upfront costs. At Altura Lending, we work with several trusted state and local programs to help qualified buyers secure the funds they need — making homeownership more affordable and within reach sooner than you might think. 

 Refinancing can be a powerful financial tool for homeowners. Whether your goal is to lower your monthly payment, shorten your loan term, or tap into your home’s equity for renovations or debt consolidation, we’ll help you explore your best options. Our experts analyze your current mortgage and the latest market rates to ensure your refinance decision aligns with your long-term goals. It’s a smart way to strengthen your financial foundation and make your home work for you. 

 If you’re ready to grow your wealth through real estate, our investment loan programs make it easier to finance rental or income-producing properties. We offer competitive options for investors looking to purchase, refinance, or expand their portfolios. Whether you’re a seasoned investor or just starting out, we’ll help you secure financing that maximizes returns and builds lasting equity in the booming Central California market.  Some popular programs as DSCR, Bank Statement can help you achieve your goals.