Home Loan Products

Our exclusive mortgage programs allow you to buy a home with a minimal down payment. Some mortgage programs require as little as 3% down! In many cases, your down payment can be a gift from a relative or nonprofit organization. You can also refinance, reducing your interest rate or taking cash out for a variety of loan options. We work hard to find a customized loan option that works for you, because we understand that life doesn't always fit into neat boxes on a form.

Our flexible home loan programs are offered for various types of properties including single-family residences, PUDs, condominiums, second homes and investment properties.

Down Payment and Closing Cost Assistance

An eligible California first time homebuyer borrower can purchase a home with little or no money out of pocket with a Conventional or FHA loan. Combine the down payment and closing cost assistance together for max assistance.

Down payment assistance program available to anyone who has not had ownership in a property in the last 3 years. Maximum down payment assistance program not to exceed $11,000 or 3.5% of the purchase price.

Please contact us for specific program information and terms regarding this loan program.

Conventional/Conforming Mortgage Loans

CMF has several Conventional options including fixed rates with terms of 10, 15, 20 and 30 years and adjustable rates with terms of 3/1, 5/1, 7/1, and 10/1.

Please contact us for more information about our terms and specific loan program information.

Conforming High-Balance Mortgage Loans

CMF offers a Conforming High-Balance loan option for borrowers with higher loan amounts. These loans give borrowers the advantage of conforming qualifying guidelines and pricing with higher loan limits.

Please contact us for the specific terms and program information regarding our Conforming High-Balance loans.

Jumbo Mortgage Loans

CMF offers Jumbo fixed and adjustable rate loans for borrowers with loan amounts that exceed the limits of our High-Balance program, up to a maximum of $3 million. We offer:

  • 15-year and 30-year Fixed Rate Loan Programs
  • Jumbo Adjustable Rate Mortgage (ARM) - 5/1, 7/1, and 10/1 Programs

Please contact us for specific program information and terms regarding our Jumbo loan program.

FHA & VA-Insured Mortgage Loans

FHA Loans: Purchase your home with only 3.5% down. Closing costs can be a gift from a relative!

  • 15-year and 30-year Fixed Rate Loan Programs
  • 5/1 Adjustable Rate Loan Programs

VA loans: No down payment, no PMI and flexible credit requirements make the VA loan a top choice for veterans and active military members. 

Please contact us for specific loan terms and program options regarding our FHA and VA loans.

Reverse Mortgages

A Reverse Mortgage is a great option if you are 62 years or older and have equity in your home. It allows you to convert part of the equity in your home into cash without having to sell your home. With this type of program, we reverse the roles, so we pay you monthly.

Please contact us for more information regarding our Reverse Mortgage option.