Purchasing a home and need a loan?
Banc Home Loans specializes in purchase lending and offers an extensive selection of programs to meet your homeownership goals. We pride ourselves on being a full-service lender and provide expertise and one-on-one support throughout a streamlined lending process. From application to closing, we are your trusted advisor, tailoring your loan selection to fit your individual goals. This includes assisting experienced homeowners as well as first-time homebuyers.
The first steps in the purchase process include understanding your goals for homeownership, gathering your financial and credit information, and establishing the amount of monthly payment that you can afford. We can provide a free, upfront pre-qualification which allows you to shop for a home with more confidence 1.
What type of loan are you looking for?
Once we understand your personalized needs, financial and credit information, and the monthly payment you can afford, our lending experts can help provide product options that make sense for you. There is no one-size-fits-all solution for financing a home. That’s why we offer conventional, government, non-traditional, fixed rate, adjustable rate, and other flexible forms of mortgage financing options1, including:
- Conventional Conforming Loans
- Agency High-balance
- FHA, VA, CalHFA, USDA
- Portfolio: Standard Doc, Alternative Doc, and Expanded Criteria
- Construction/Renovation Financing
- Reverse Mortgages
- First-time homebuyer programs available from California Housing Down Payment Assistance Program (CHDAP)
We are committed to finding the perfect loan for you, providing a superior experience, and closing your loan as quickly as possible!
1: Not all applicants will qualify. These Programs may have a higher interest rate, more points or more fees than other Programs requiring documentation. Minimum FICO, reserve, and other requirements apply. Programs may not be available in all states. Contact your Loan Officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change at any time without notice.