Empowering Your Financial Success
At AI Mortgage, we are dedicated to empowering your financial success through personalized mortgage solutions. Our team is committed to understanding your unique needs and guiding you through the mortgage process with expertise and care.
Achieve Your Homeownership Goals
Whether you're a first-time homebuyer or looking to refinance, our goal is to help you optimize your financial situation and achieve your homeownership dreams. We provide tailored mortgage strategies to ensure you make informed decisions for a secure future.
Our Mortgage Services.
Discover our range of mortgage services designed to meet your specific financial needs. From mortgage pre-approval to refinancing options, we are here to guide you at every step of the mortgage process.
Purchase Loans
We specialize in developing personalized mortgage strategies tailored to your financial goals and circumstances. Our focus is on securing the best mortgage options for your unique needs.
Refinances
Our team provides expert guidance on operational planning to help you navigate the complexities of mortgage financing. We are committed to optimizing your financial position for a successful mortgage journey.
Home Equity Lines of Credit (HELOCs)
Utilizing data-driven insights, we offer informed mortgage advising to empower you with the knowledge needed to make confident mortgage decisions. Our data advising services ensure transparency and clarity throughout the mortgage process.
Alternative Doc Loans
From project management to seamless execution, our mortgage experts focus on efficiently managing your mortgage process. We strive to create impactful and lasting results for your homeownership aspirations.
Loan Programs.
Conventional
FHA
Conventional loans are the most common type of mortgage loan. Conventional loans can have fixed or adjustable interest rates, and repayment terms that are typically between 15 and 30 years. They can also offer some advantages over government-backed loans, such as: Competitive mortgage insurance rates, Higher maximum debt-to-income ratio, and Flexibility with property type and occupancy.
A Federal Housing Administration (FHA) loan is a mortgage that's insured by the FHA, a government agency that's part of the U.S. Department of Housing and Urban Development (HUD). FHA loans are made by private lenders, but the FHA insures the mortgages to protect the lenders against losses if the borrower defaults. This allows lenders to offer more mortgages to homebuyers, and the cost of the insurance is passed on to the borrower.
Alternative Doc
Jumbo
An alternative documentation (alt doc) home loan is a mortgage program that uses non-traditional methods and documentation to determine a borrower's income. Alt doc loans are often used for self-employed borrowers, business owners, or contract workers who can verify their income in ways that mainstream lenders can't. For example, a borrower might provide their last six months of bank statements, profit and loss (P&L) statements, or tax returns instead of paystubs.
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA) for a specific county. For example, in Los Angeles County in 2024, the conforming loan limit is $1,149,825 for one-unit properties, so any loan above that amount is considered a jumbo loan. Jumbo loans are often needed to finance luxury properties or homes in expensive housing markets such as Los Angeles.
DSCR
HELOC
A debt service coverage ratio (DSCR) loan, also known as an investor cash flow loan, is a non-QM mortgage that allows real estate investors to qualify for a home loan based on their property's cash flow instead of their personal income.
A home equity line of credit, or HELOC, gives you access to cash based on the value of your home. You borrow against your equity, which is the home’s value minus the amount you owe on the primary mortgage. You can draw from a home equity line of credit and repay all or some of it monthly, somewhat like a credit card. Unlike a credit card, however, HELOCs are not intended for minor expenses.
A VA home loan is a mortgage loan program offered by the U.S. Department of Veterans Affairs (VA) to help eligible veterans, service members, and their surviving spouses buy homes. The VA guarantees a portion of the loan, allowing the lender to offer more favorable terms.
VA
Get Started.
Begin Your Mortgage Journey Today