FHA Home Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates

Loan Programs

Mortgage options I can Help You With

Conventional Loans

A Conventional loan refers to a mortgage that is not insured or guaranteed by any government agency, such as the FHA, VA, or USDA.

Mortgage Education

Not sure which loan fits your situation? I offer free 15-minute consultations — no pressure, just straight answers. Call or text: 909-856-9374

Construction Loans

New Construction & Builder Loans Building from the ground up or buying from a custom builder? I specialize in construction-to-permanent financing and work closely with builders to keep the process moving. One loan. One close. No surprises

Non-QM Loans

Non-QM Loans — Built for Real People Not everyone fits a W-2 box. If you're self-employed, run an S-Corp, work on commission, or have a non-traditional income history, Non-QM may be your path to homeownership. I work with bank statement programs, asset depletion, and 1099-only qualification — options most retail loan officers never touch.

Jumbo Loans

A jumbo loan finances properties above the conforming loan limit — currently $806,500 in most California counties, and higher in designated high-cost areas. If your purchase price exceeds that threshold, a jumbo product may be your path forward.

And So Much More!

Julie Ryan made my mortgage process easy and stress-free. Her expertise and personal touch helped me secure the perfect financing for my new home!

Michelle R.

★★★★★