We have all the best Mortgage Loan Options

We specialize in the best mortgage loans available throughout the state of California!
Our programs include FHA, VA, FannieMae and FreddieMac loans. We have the NO MONEY DOWN loan options that many buyers need. Other options include Jumbo loans, Reverse Purchases, Buy and Rehab in One Loan and Special Financing for credit challenged clients. We can also refer you to the best Commercial, Alternate and Private Financing investors that you might need.

We are experts at handling the complexity of mortgage lending.
We know how to do a quick and thorough interview, so we can give you an accurate loan pre-approval. Our veteran loan processing staff knows how to prevent surprises by analyzing your documentation up front. Since we are also real estate transaction coordinators, we know how to manage and expedite your transaction from start to finish. 

for any information, call Tom Flecky at:  951-903-3883

SPECIAL PURCHASE DISCOUNTS

BUY 30% OFF WITH CASH

Wholesale homes are available to cash buyers at big discounts. You just have to be patient and wait for the home you want.

BUY 25% OFF FROM INVESTOR

We have buyers who will buy the home with cash so you can get your offers accepted. Then you buy the home immediately from the investor. 

BUY 15% OFF AT AUCTION

Various types of auctions are available to buy a home at a discount using regular mortgage financing.

BUY 10% OFF FROM FSBO

You can buy a home directly from the Seller at a discount and use regular mortgage financing.

SPECIAL PURCHASE OPTIONS

BUY HOME AND PAYOFF IN 7 YRS

This is done with a special mortgage that runs through a bank account that takes your surplus funds and pays down your mortgage.

BUY MULTI-UNIT AND LIVE FREE

You can use fha financing to buy a 4plex and the renters will cover your monthly mortgage.

BUY MIXED-USE AND LIVE ONSITE

You can buy a property that includes a private residence and run the business (or rent it out) and live onsite.

LEASE OPTION AND PURCHASE

You can find a home and the program will buy the home for you and give you the option of taking ownership when you are ready.

SPECIAL PURCHASE OPTIONS

BUY AND REHAB PURCHASE

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BUY AND ADD POOL IN 1 LOAN

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BUY AND HAVE NO PAYMENT

This can be done using the fha reverse purchase program.

BUY NEW HOME FROM BUILDER

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LOWERING YOUR COSTS

BORR V. LENDER PAID LOANS

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LENDER REBATE CREDITS

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SELLER CONCESSIONS

This can be done using the fha reverse purchase program.

BUYER AGENT CREDITS

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CONVENTIONAL LOANS

FANNIE MAE LOANS

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FREDDIE MAC LOANS

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NO MORTGAGE INSURANCE

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ADJUSTABLE RATE LOANS

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OTHER LOAN OPTIONS

BUY SECOND HOMES

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BUY VACATION PROPERTIES

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BUY
LAND ONLY

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BUY HOME ON LEASED LAND

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OTHER LOANS OPTIONS

SHORTER TERMS 10-15-20-25 YRS

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PIGGYBACK 2ND PURCHASE LOANS

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INTEREST ONLY OR 40YR LOANS

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BUY INTO AN HOA OR POA

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OTHER LOANS OPTIONS

BUY FROM A TRUST

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BUY WHILE IN PROBATE

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BUY AS A SHORT SALE

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BUY A BANK FORECLOSURE

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GOVERNMENT LOANS

FHA
LOANS

Only 3.5% down and the lowest rates. Lenient underwriting. Can buy, refinance, or do buy/rehab loans. 

QUALIFYING ISSUES

Back end debt ratios as high at 54% thru DU desktop approvals.

 

VA
LOANS

0.0% down and the lowest rates. For veterans. Can buy, refinance, or do buy/rehab loans. 

QUALIFYING ISSUES

Back end debt ratios as high at 54% thru DU desktop approvals. Can do refinances up to 100% and jumbo loans with no  money down.

USDA
LOANS

0.0% down, similar to FHA loans. Must be in a rural area. Can buy, refinance, or do buy/rehab loans. 

QUALIFYING ISSUES

Back end debt ratios as high at 54% thru DU desktop approvals.

STREAMLINE
REFINANCE

Government loans allow a rate & term refi with no appraisal needed.

QUALIFYING ISSUES

Only 3.5% down and the lowest rates. Lenient underwriting. Can buy, refinance, or do buy/rehab loans. 

GOVERNMENT LOAN OPTIONS

BUY MODULAR HOME

BUY MANUFACTURED

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BUY LAND & ADD MANUFACTURED

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MOBILES IN PARKS

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DOWN PAYMENT ASSISTANCE

CALHFA
GRANT

DOWN PAYMENT ASSISTANCE PROGRAM
The money you put “down” or the down payment on your home loan can be one of the largest hurdles for many first-time homebuyers. That’s why CalHFA offers several options for down payment and closing cost assistance.

OTHER
GRANTS

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USING GIFTS FROM A RELATIVE

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MCC TAX BENEFIT

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REHAB LOANS

CONSTRUCTION LOANS

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FANNIE
REHAB

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FHA
203K REHAB

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ADD 2ND UNIT TO PROPERTY

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JUMBO LOANS

HI-BALANCE
AREA LOANS

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5% DOWN
JUMBO

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INTEREST
ONLY

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SUPER
JUMBO

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SELF-EMPLOYED BORROWERS

FULL QUALIFY LOAN

5% down

1 YEAR
TAXES

15% down

AVERAGE DEPOSITS

20% down

ASSET
DEPLETION

20% down

P&L STATEMENTS ONLY

20% down

NO EARNINGS
VERIFIED

20% down

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X

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INVESTMENT LOANS

NON-OWNER CONVENTIONAL

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ADD ONE RENTAL EVERY 2 YEARS

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BUY RENTAL AND ADD ADU OR SQFT

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BUY RENTAL AND DO B&B BUSINESS

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ALTERNATE LOANS

LOW CREDIT
LOANS

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REVERSE MORTGAGE

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ITIN
LOANS

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FOREIGN
NATIONAL

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SPECIAL LOANS

CONDO
APROVAL

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BUY HOME ON LARGE LOT

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MARIJUANA FARM LOANS

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AGRICULTURAL LOANS

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SPECIAL PERSON LOANS

DOCTOR
LOANS

Purchase with no down payment or mortgage insurance and looser qualifying requirements.

GOODNEIGHBOR LOAN

You can buy a HUD home for 50% of the appraised value when the house is located in a specified area

HOMES FOR HEROES

partners with real estate agents, lenders, and title companies to help first responders save on home buying expenses.

INDIAN HOME LOANS

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HOME EQUITY LINES OF CREDIT

ADJUSTABLE HELOC

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FIXED RATE HELOC

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COMMERCIAL LOANS

X

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X

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X

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PRIVATE LOANS - (we refer you to other companies)

30% DOWN ON FIRST FLIP

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10% DOWN AFTER 3 FLIPS

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0% DOWN AFTER 5 FLIPS

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BRIDGE
LOANS

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Tom Flecky

Tom has over 20 years experience in Real Estate and Mortgages. 

He has a TEAM OF REALTORS who partner with him and help Buyers and Sellers get the smartest solutions to meet their dream scenarios. We specialize in buying and selling homes in Southern California!

Tom has also been doing MORTGAGES for many years. Our company GRAND AVENUE is a broker with over 40 banks and investors to choose from. We have access to all the great loan programs and can offer the LOWEST INTEREST RATES in the nation.

Real estate is one of the largest and most exciting investments one can make. We are here to make sure that your process is a fun and rewarding one!

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