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The following is a partial list of programs offered with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us for more details.

Rate & Term Refinance

Refinancing your current loan can be helpful in saving you money over the duration of the loan term by lowering your interest rate, or it can allow you to extract cash equity (cash out) accrued in your home to pay off any debts or make improvements on the property. If you have an adjustable-rate loan you may even consider refinancing to a fixed-rate loan in order to secure your interest rate. Or, you may want to change your loan from 30 years fixed to 15 years fixed in order to minimize the amount of interest paid over the life of the loan, this is a change in the loan term.

Cash-Out Refinance

In an ideal situation, the value of your home will have risen since you first purchased allowing you to access that equity through a cash-out refinance. Taking “cash out” allows you to borrow money against the home due to that increase in the home’s value. This can be extremely helpful in consolidating and paying off any other debt you may have (car loans, medical bills, credit cards), or even be used to reinvest in the home for improvements or additions.

FHA Streamline Refinance

The FHA streamline refinance program is one of the simplest ways for FHA loan holders to lower their interest rate. Unlike the mountains of documents and personal information that conventional loans require you to collect, the streamline does not require the homeowner to obtain an appraisal or verify their income/assets. Long Beach Home Loan Corp. FHA streamline refinances are much simpler and less stressful than a typical conventional refinance. 

FHA Loans

FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don’t have enough funds to pay a traditional 20 percent down payment because they only require 3.5 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments.

Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development. Please contact us today to find out if a FHA loan is right for you.

VA Loans

Like a FHA loan, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences and cannot exceed a certain loan limit.

Jumbo Loans

A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than a certain limit. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates.

Loan Programs

Whether you want to shorten your loan term, free up cash for home improvement, reduce your interest rate, or convert to an ARM, a refinance is essentially a brand new mortgage that replaces the one you have.

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Home Purchase

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Whether you’re buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

Home Refinance

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We’re committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

Get a Better Mortgage

We’re Giving Mortgages An Upgrade. It Was About Time

We don’t think you should have to go to five different banks to understand your mortgage options. We especially don’t think you should be put in a box, labeled, or treated like a number. That’s why we developed the technology that gets to know you deeply, and finds the best mortgages for you. Then, we paired it with expert guidance to help you make sense of it all.

  • Adjustable Rate Mortgage (ARM)
  • Conventional Mortgages
  • Fixed-Rate Mortgages


  • Answer a few quick questions.
  • See where you’re losing money.
  • Get experts to guide you a long the way.
  • Expertise.
  • Personal Attention.


  • Lower your monthly payment.
  • Consolidate debt.
  • Get cash for large purchase.

Loan Programs

  • FHA loan program.
  • USDA loan program.
  • VA loan program.
  • Fannie Mae/Freddie Mac program.
  • Enegy-efficient mortgage progame.
  • FHA section 203(k) loan program.
  • Local first time homebuyer program.
  • Native Ameriaccan Direct Loan.

Was very helpful. Kept in touch every step of the way. Was available whenever I had a question or issue. Made process easy. Would use again in the future.”

Dawn Smith

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