California mortgage expert with 25+ years experience in Bay Area consumer lending. As part of Golden 1 Credit Union, California's largest credit union and #1 mortgage originator, I understand the unique California market. We're a direct portfolio lender offering flexible solutions, including options for borrowers with past short sales, bankruptcies, or foreclosures.
Explore our innovative programs: "2-2-3 Loan," "Piggy-Back Purchase" (up to $1.67M with 10% down), "Fresh Start Piggy-Back Jumbo" (purchase up to $1M with a 620 score), "5% Down Jumbo" (purchase up to $900K), and "As Good As Cash Program" (pre-approved offers with no loan contingency).
We compete with national banks, offering competitive rates and thinking outside the box to approve your loan.