Loan Solutions Tailored for You – Fresh Home Loan Inc.

At Fresh Home Loan Inc., we understand that every homebuyer, investor, and homeowner has unique financial needs. Whether you’re purchasing your first home, expanding your real estate portfolio, refinancing for better terms, or funding a renovation, we have the right loan program for you.

Our mission is simple: to provide expert guidance and flexible financing solutions that help you achieve your homeownership and investment goals. From traditional mortgage options to specialized loan programs, we have the expertise and resources to serve a diverse range of borrowers.

🏡 Loan Products at Fresh Home Loan Inc. 🏡

🔥 Specialized & Unique Loan Programs

🏚️Fix & Flip Loans – Short-term financing for investors renovating and reselling homes.
DSCR (Debt-Service Coverage Ratio) Loans – For real estate investors qualifying based on rental income.
🏦 Bank Statement Loans – For self-employed borrowers qualifying based on bank deposits instead of tax returns.
💎 Asset-Based Loans – Qualification based on liquid assets rather than traditional income.
📉 Interest-Only Loans – Lower monthly payments with interest-only payments for a set period.
⚡ Hard Money Loans – Fast funding based on property equity rather than borrower credit.

🏗️ Construction, Land & Agricultural Loans

🏠Construction-to-Permanent Loan – Financing that converts into a standard mortgage once construction is complete.
🚧 Ground-Up Construction Loan – Custom financing for new home builds.
🌲 Lot & Land Loans – Financing for purchasing land before building.
🚜 Agricultural Loans (Ag Loans) – Financing for farms, ranches, and agricultural property.
🔨 FHA 203(k) Renovation Loan – Funds for home purchase + renovations.

🔄 Reverse Mortgages

🔙HECM (Home Equity Conversion Mortgage) – Government-backed reverse mortgage for homeowners 62+.
💵 Jumbo Reverse Mortgage – For homeowners with high-value properties exceeding HECM limits.

🏠 First-Time Homebuyer & Specialty Programs

🎉First-Time Homebuyers: Welcome Home RateBreak – Special first-time buyer benefits from Rocket Mortgage.
💲 Down Payment Assistance Programs – State and local programs for qualified buyers.
🌉 Bridge Loans – Short-term financing to buy a new home before selling an existing one.
🏡 CalHFA Loans – State-backed assistance for first-time homebuyers in California.

💰 Jumbo Loans

🏦Jumbo Fixed-Rate Loan – Financing for high-value properties exceeding conforming limits.
📈 Jumbo ARM – Lower initial rates with adjustable terms for large loans.

📜 Conventional Loans

📆Conventional 30-Year Fixed – Standard loan with fixed payments.
⏳ Conventional 15-Year Fixed – Faster payoff with lower total interest.
🔀 Adjustable-Rate Mortgage (ARM) – Lower initial rates with rate adjustments over time.
💲 High-Balance Conventional Loans – For high-cost areas exceeding standard loan limits.

🏅 FHA Loans (Federal Housing Administration)

🏡FHA 30-Year Fixed – Low down payment (3.5%) with flexible credit requirements.
🔄 FHA Streamline Refinance – Simplified refinancing for current FHA borrowers.

🎖️ VA Loans (Veterans Affairs)

VA Purchase Loan – Zero down payment for eligible veterans and service members.
📉 VA Interest Rate Reduction Refinance Loan (IRRRL) – Simplified refinancing for existing VA loans.
🏡 VA Jumbo Loan – VA financing for high-cost properties.

🌾 USDA Loans (United States Department of Agriculture)

🌻USDA Rural Development Loan – 100% financing for homes in eligible rural areas.

💳 Refinance Loans & Home Equity Options

🔄Rate-and-Term Refinance – Lower rate or change loan terms.
💰 Cash-Out Refinance – Convert home equity into cash.
💳 HELOC (Home Equity Line of Credit) – Revolving credit using home equity.
🏦 Home Equity Loan – Lump-sum loan secured by home equity.

🏡 Let’s Make Homeownership Happen

At Fresh Home Loan Inc., we’re not just about mortgages – we’re about helping you build wealth through real estate, securing your financial future, and making the loan process as smooth as possible. Our experienced team is ready to guide you every step of the way.

Looking for the right loan? Let’s talk! Contact us today to explore your options.

https://freshhomeloan.com/schedule-a-meeting/

Or call us at 510.282.5456

If you want to discuss something, give me a call or lets meet: https://api.leadconnectorhq.com/widget/bookings/meetwithgarrickhere

The post Loan Solutions Tailored for You – Fresh Home Loan Inc. appeared first on Fresh Home Loan.

< Older Post

Newer Post >

Garrick Werdmuller

510-282-5456

garrick@freshhomeloan.com

A man is standing in front of a before and after picture of a house.

From Garage to ADU: How a 203(k) Loan Helped One Family Maximize Their Space

By Garrick Werdmuller • June 18, 2025

🛠️ From Garage to ADU: How a 203(k) Loan Helped One Family Maximize Their Space 🛠️ Buy It and Fix It With One Loan: The FHA 203(k) Limited A few years ago, I helped a couple purchase their home with just 5% down. It was a great fit for them at the time — solid neighborhood, the space they needed, and a bonus: a detached garage with potential. Fast forward to today — their teenage son was getting older and needed his own space. Naturally, they started exploring how to turn that detached garage into an Accessory Dwelling Unit (ADU) so he could move in and have a bit more independence. They gave me a call, hoping to tap into their home’s equity with a line of credit. But after running the numbers, it became clear that a traditional HELOC wouldn’t provide enough funds to cover the full conversion. That’s when I brought up a lesser-known option: the FHA 203(k) Limited loan . The FHA 203(k) Limited program snapshot outlines a renovation loan product allowing borrowers to finance both the purchase and rehabilitation of a property with a single mortgage , specifically for non-structural repairs or improvements. Here's a summarized overview for reference or communication: 🏡 What Is It? The FHA 203(k) Limited is designed for: Homebuyers purchasing a fixer-upper Homeowners refinancing and remodeling Primary residences only You can finance both the home and non-structural renovations—like kitchens, bathrooms, floors, HVAC systems, roofs, appliances, and more—with a single mortgage . 💡 Why Use a 203(k) Limited? ✅ Finance up to $75,000 in repairs and upgrades ✅ Only 3.5% down payment ✅ One loan, one closing ✅ No 203(k) Consultant required ✅ Ideal for non-structural repairs and cosmetic improvements ✅ Perfect for first-time buyers and FHA borrowers 🛑 What You Can’t Do With It This is for light remodeling only. You can’t use this loan for: Structural changes or additions Foundation work Landscaping (except for erosion prevention) Pools, hot tubs, or other luxury features (Bummer ! I know! 😒) 🧾 Borrower Submission Checklist Here’s what we’ll need to get started on your FHA 203(k) Limited loan: ✅ Basic Docs Loan Application (apply online or schedule an appointment) Government-issued ID Most recent 30 days of paystubs Last 2 years of W-2s or tax returns (for self-employed borrowers) Most recent 2 months of bank statements ✅ Property & Repair Info Signed Purchase Contract (if purchasing) Contractor’s Written Proposal with: Itemized list of repairs Cost breakdown (labor + materials) Statement that work is non-structural W-9 form from contractor Contractor license & insurance (if required by local jurisdiction) ✅ Appraisal & Renovation Docs Appraisal supporting As-Is and After-Improved Value Permit list (if applicable) Final Work Plan (signed off before close) 💬 Final Thoughts The FHA 203(k) Limited can turn a fixer into your dream home—or give your current space the refresh it deserves. With just one loan , you get flexibility , affordability , and peace of mind . Have a property in mind? Let's talk! 👉 Schedule a Free Consultation https://freshhomeloan.com/schedule-a-meeting/ 🏡 #FHA203k #203KLoan #RenovationLoan #FixerUpper #HomeRemodel #MortgageSolutions #FirstTimeHomeBuyer #HomeLoanHelp #RealEstateTips #MortgageBrokerLife #CaliforniaHomes #BayAreaRealEstate #CentralValleyHomes #DreamHomeGoals

A man is holding a card in front of a house.

Guía definitiva de préstamos ITIN – Tu paso hacia la compra de casa

By Smith Chung • June 18, 2025

¿Qué es un préstamo ITIN? Un préstamo ITIN es una hipoteca diseñada para personas que declaran impuestos usando un Número de Identificación de Contribuyente Individual (ITIN) en lugar de un número de Seguro Social (SSN). El ITIN lo otorga el IRS a quienes no son elegibles para un SSN pero aún así deben declarar impuestos en EE. UU. 💬 En resumen: ¿No tienes SSN? ¡No hay problema! Si has sido financieramente responsable y cuentas con documentación básica, ¡podrías calificar! 💪 👨‍👩‍👧‍👦 ¿Quién se beneficia de un préstamo ITIN? Los préstamos ITIN están diseñados para quienes persiguen el sueño americano — incluso sin documentación tradicional. Podrías beneficiarte si: 🌎 Eres inmigrante viviendo en EE. UU. sin green card ni SSN 🧾 Declaras impuestos usando un ITIN 💼 Tienes ingresos estables (W-2, por cuenta propia o incluso en efectivo con comprobantes) 💳 Pagas renta y servicios a tiempo y puedes demostrarlo 💥 Hemos ayudado a familias que pensaban que comprar casa era imposible — ¡y cerraron en solo 30–45 días! 🛠️ ¿Cómo funcionan los préstamos ITIN? Los préstamos ITIN generalmente son financiados por prestamistas no tradicionales (non-QM) o bancos especializados que operan fuera de los lineamientos de Fannie Mae/Freddie Mac. Aquí te explicamos cómo funcionan: 💰 Tipos de préstamo: Tasa fija o ajustable Compra, refinanciamiento o retiro de efectivo Propiedad principal, segunda vivienda y algunas propiedades de inversión 💵 Pago inicial: Generalmente del 10 % al 20 % A menudo se permiten fondos de regalo 📊 Crédito: En algunos casos no se requiere puntaje FICO Se puede usar historial de renta, servicios públicos o incluso crédito internacional 📉 Tasas y plazos: Ligeramente más altas que las convencionales Disponibles con tasa fija a 30 años o ARM de 5/7/10 años 📄 Documentación que necesitarás Para obtener una precalificación, debes demostrar estabilidad, ingresos y solvencia. La mayoría de los prestamistas solicitarán: 🆔 ITIN válido y vigente 📑 2 años de declaraciones de impuestos 💼 Comprobante de ingresos (W-2s, 1099s, o P&L si trabajas por cuenta propia) 🏦 2–3 meses de estados de cuenta bancarios 🌐 Identificación válida (pasaporte, matrícula consular, etc.) 🏘️ Historial de renta (comprobante bancario o carta del arrendador) 💡 Consejo extra: ¡Algunos prestamistas incluso aceptan ingresos o activos del extranjero! 🚫 Conceptos erróneos comunes sobre los préstamos ITIN ❌ Mito 1 : Los préstamos ITIN son ilegales. ✅ Falso. Son 100 % legales y cumplen con las regulaciones federales. ❌ Mito 2 : No calificas si eres trabajador independiente o te pagan en efectivo. ✅ No es cierto. Con declaraciones de impuestos o registros bancarios, definitivamente puedes calificar. ❌ Mito 3 : Te van a estafar o cobrar de más. ✅ ¡No con nosotros! Buscamos la mejor opción para tu préstamo y te explicamos todo con claridad. 🌱 ¿Por qué los préstamos ITIN son importantes para nuestras comunidades? 🏘️ Ser dueño de una casa crea riqueza generacional, estabiliza vecindarios y eleva a las familias. Para muchos inmigrantes, los préstamos ITIN son un puente hacia un futuro mejor — y nos enorgullece ser parte de ese proceso. ❤️ 🧑‍💼 Cómo pueden ayudar los agentes de bienes raíces Agentes inmobiliarios — ¡no dejen pasar esta oportunidad! Los compradores con ITIN son leales, motivados y, en muchos casos, están bien establecidos en sus comunidades. Aquí algunas formas de atenderlos mejor: 🤝 Haz equipo con prestamistas que conozcan las reglas de ITIN • 📆 Establece tiempos y expectativas realistas • 💗 Lidera con empatía y orientación 📣 ¿Quieres destacar? Dirige tu marketing a clientes con ITIN — ¡nosotros te respaldamos! 💼 El enfoque de Fresh Home Loan hacia los préstamos ITIN En Fresh Home Loan Inc., trabajamos con prestamistas confiables para ofrecer soluciones hipotecarias ITIN rápidas, justas y transparentes. Ya sea tu primera casa o una inversión, estamos contigo en cada paso. ✅ 🚀 ¿Listo para comenzar? ¿Conoces a alguien que pueda beneficiarse de un préstamo ITIN? Hagamos realidad el sueño de ser dueño de una casa — de la forma correcta, con apoyo y claridad desde el primer día. 🏠✨ “Llama hoy mismo para empezar tu precalificación — en Fresh Home Loan hablamos tu idioma y creemos en tu futuro.”