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Loan Products & Programs

Purchase: Ladera Lending = Purchase Power

You have found the perfect home and now you have done yourself a big favor by selecting Ladera Lending, Inc. as your lender. We help take the homework out of finding the best mortgage solutions. We will answer your two most important questions. “What can I afford?” and “What do I qualify for?”

Our qualification process and pre-approval letter will give your offers serious consideration. With Ladera Lending behind you, Realtors® will submit you at the head of the pack, even with all cash buyers. The best borrowers make the best buyers. Let us put you in the lead!

Refinance: Opening the door to the things you always hoped you could afford.

We provide financial loan solutions that help you live the lifestyle you always dreamed about. Discover the advantages of working with the Ladera family. We are committed to:

Saving You Time - Short and easy online loan application takes only minutes.

Lowering Fees - Less paper work means higher efficiency, less cost, and lower rate.

Offering You More Financial Freedom - The market place is our well to draw from; which means you have a variety of lower interest rate loans to choose from and greater spending flexibility.

Debt Consolidation: Giving you the freedom to live the good life….now.

Are you tired of barely making a dent on those high interest rate credit accounts? Have you always wanted to increase your cash flow but didn’t know how? Is creating that “nest egg” for the future getting harder and harder to do?

At Ladera Lending, Inc. we can help you consolidate that debt, increase your discretionary income and start saving today! Our debt consolidation loans have been tailored with your needs and financial freedom in mind.

Loan Programs

FHA Loans: Helping make homeownership possible for all.

Are you a new couple just starting out? Or are you a family looking for your first home? Well at Ladera Lending, Inc. we offer FHA loans that might just work for you!

The Federal Housing Administration insures FHA Loans. FHA loans allow for higher debt-to-income ratios and lower down payments. Ask your loan professional about our 0.5% down payment option!

FHA Streamline- If you currently have an FHA loan we can complete a Streamline Refinance with No Appraisal, No Income documentation, and very relaxed credit requirements.

VA Loans: Securing the home buying future for those who have served with honor.

Are you a member of the arm forces and looking to buy a new home? Or have you served in the military and are looking to move? If you are Ladera Lending, Inc. proudly offers special VA loans that have been created especially for you!

The Veterans Administration insures VA Loans. VA Loans are available for active, former and retired members of the U.S. Armed Forces. The interest rates are quite good, and no down payment is required. When doing a VA loan it is especially important to work with an expert.

The Ladera Lending family includes former and retired Marines. Ask to work with one of these specialists on your VA loan.

VA IRRRL- Interest Rate Reduction Refinance Loan, often called a VA Streamline is available with No Appraisal, No Income documentation, and very relaxed credit requirements.

Conventional Conforming Loans: Creating the foundation for an even better tomorrow.

Whether you are a first time buyer, looking to move up, or purchase a second home or investment; Ladera Lending, Inc. has a loan solution for you! Our conventional conforming loan programs over a variety of financing options to meet your family’s individual and diverse needs.

A conventional conforming loan conforms to the standards set by Fannie Mae and Freddie Mac.

Fannie Mae and Freddie Mac are names given to the GSE’s which are Government Sponsored Enterprises. They aren’t lenders, but they buy loans from even the largest banks and mortgage companies. Fannie Mae is the nickname for the Federal National Mortgage Association, and primarily deals with conventional loans. Freddie Mac is the moniker for the Federal Home Loan Mortgage Corporation, and they also deal with conventional loans.

Ladera Lending is the low price leader for conforming loans. You won’t find a better deal!

Spotlight: HARP – Home Affordable Refinance Program is actually a conforming loan brought to you courtesy of the new FHFA, Federal Housing Finance Agency. HARP is a temporary program that allows borrowers who currently have Fannie or Freddie loans to refinance, even if their equity is upside down. The rates are very favorable and credit and income requirements are relaxed. Ladera Lending is currently financing HARP loans up to 200% Loan to Value on owner occupied and second homes and up to 125% LTV on Investment properties. Contact us to see if your property qualifies.

Conventional Jumbo Loans: Offering endless possibilities.

If you are seeking the “home of your dreams” or looking to branch out and buy your second home; Ladera Lending, Inc. has a financing solution that is tailored to your most unique home buying vision. Our conventional jumbo loans have been chosen to meet the needs of the very distinguished homebuyer desiring a highly specialized form of loan services.

A conventional jumbo loan is known as a non-conforming loan because it does not conform to government standards, or exceeds their maximum loan limits.

Located in the heart of Orange County, we have a plethora of experience in Jumbo Lending. These programs continue to improve with new options opening up every week. Give us a call to discuss your options!

Home Equity Conversion Mortgages: Seniors using their equity to pay them back!

Commonly known as “Reverse” mortgages, HECM’s are the most misunderstood loan available today. While these loans are not for everyone, they have been “life-changing” for some of our clients. If you or your parents are “house rich” and “cash poor,” a HECM may be the best option. Currently, with interest rates near all-time lows, borrowing power is very high.

A Home Equity Conversion Mortgage is insured by the Department of Housing and Urban Development (HUD) through the Federal Housing Administration (FHA.) The insurance is for the lender in case of default, like a standard FHA loan. However, the insurance on a HECM also insures the homeowner. At loan maturity, if you owe more than your home is worth, FHA pays the deficiency. If you do have equity, you get to keep it! HECM’s have NO CREDIT OR INCOME REQUIREMENTS. You can get a HECM that has NO monthly payments. You have to be at least 62 years old and have equity in your home.

As you might imagine, you should work with loan professionals that are experienced in HECM’s. Locally, we are known as the specialists. Banks and even other local mortgage companies refer their reverse mortgage applications to Ladera Lending.

**Note: Our online application and rate search does not support HECM applications. Just give us a call!

Line of Credit: Welcoming the dawn to a new day of financial freedom.

Ladera Lending, Inc. has given a whole new name to “Fast Cash” making obtaining an equity line of credit happen as quickly as the dawn of a new day! You have to look far and wide for a lender that offers this flexibility.

A Home Equity Line of Credit or HELOC is the most adaptable type of loan available. You can pay it down and reuse it for ten years. Many of our clients use the loan to cover the gap between the available loan maximum amounts and the amount needed. For example, if you owe $467,000 and the maximum conforming loan amount in your area is $424,100, we do a $424,100 first mortgage and a $50,000 HELOC. Also, this loan is very popular when avoiding Private Mortgage Insurance. You put 10% down; we do an 80% first mortgage and a 10% HELOC.

**Note: Ladera Lending HELOC’s are available as a concurrent close with a refinance or purchase first mortgage. Up to 95% Combined Loan to Value.

 

Ladera Lending, Inc.
555 Corporate Drive, Suite 215, Ladera Ranch, CA  92694
Toll Free:  (800) 556-1915
info@laderalending.com