Mortgage Loan Programs

Alex Sarkeshik offers a comprehensive range of loan programs for every borrower situation — from first-time buyers to seasoned investors, from low down payment to jumbo loans.

All Programs

Find the Right Loan for You

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Conventional Loans

Traditional financing for well-qualified buyers. Available with as little as 3% down. Best for buyers with strong credit and stable income.

3% min downFixed or ARMNo PMI at 20%
Popular
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FHA Loans

Government-backed loans with flexible qualifying requirements. Ideal for first-time buyers and those with limited down payment savings.

3.5% min down580+ creditGift funds OK
No Down
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VA Loans

Exclusive benefit for eligible veterans and active military. No down payment, no PMI, and competitive rates backed by the VA.

0% downNo PMIReusable benefit
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Jumbo Loans

For home purchases above conventional loan limits. Alex has access to jumbo programs for high-value properties across all 13 licensed states.

Above conforming limitsFixed or ARM
No Down
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USDA Loans

Zero down payment financing for eligible rural and suburban properties. Income and property location limits apply.

0% downRural/suburbanIncome limits
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Bank Statement Loans

Designed for self-employed borrowers. Qualify using 12-24 months of personal or business bank statements instead of tax returns.

Self-employedNo tax returns12-24 mo statements
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DSCR Loans

Debt Service Coverage Ratio loans for real estate investors. Qualify based on rental income potential — not personal income.

InvestorsRental incomeNo personal income needed
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Cash-Out Refinance

Access your home equity as cash for home improvements, debt consolidation, investment, or any major expense.

Access equityFlexible use of funds
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Rate & Term Refinance

Lower your interest rate, change your loan term, or switch from an adjustable to a fixed rate to reduce your monthly payment.

Lower paymentShorten termFixed or ARM

Not Sure Which Program Is Right for You?

Call Alex — he'll review your situation and recommend the best loan for your goals.

📞 Call (714) 470-6091 Apply Online

NMLS# 335813 · CA DRE# 01192601 · Licensed in 13 States