Explore financing options for homebuyers, homeowners, self-employed borrowers and real estate investors throughout California. SV Mortgage Group can help you evaluate traditional and specialty financing based on your financial profile, property and goals.
These are some of the financing approaches available through SV Mortgage Group. Your options may include conventional financing or a specialty program, depending on your qualifications, property and goals. You don’t need to choose a program before reaching out.
A Core SV Mortgage Group Specialty
Condo financing is a major part of our work, from straightforward purchases to projects that need a closer review. Explore purchase and refinance options based on your qualifications, the condo project and how you plan to use the property.
Explore Condo FinancingExplore approaches based on your income, eligible assets and available documentation.
Compare purchase and refinance approaches for business owners, freelancers and independent contractors.
Explore Self-Employed MortgagesExplore programs that evaluate qualifying income using eligible bank deposits and supporting records.
Explore Bank Statement LoansExplore purchase and refinance options that consider eligible savings, investments or retirement assets when evaluating your qualifications.
Explore Asset-Based MortgagesReview mortgage options outside Qualified Mortgage criteria, with program-specific documentation and qualification requirements.
Explore Non-QM LoansUnderstand alternative documentation approaches, what lenders still review and how property use affects eligibility.
Explore Documentation OptionsStart with the property, your plans and how the financing will be repaid.
Start with your rental purchase, renovation or refinance plans to compare relevant financing approaches.
Explore Investment Property LoansExplore rental-property financing that evaluates rent relative to qualifying property expenses.
Explore DSCR LoansConsider short-term financing when a property purchase, sale or planned repayment involves a timing gap.
Explore Bridge LoansReview financing for buying, renovating and reselling an investment property.
Explore Fix & Flip LoansExplore property-focused financing for eligible investment transactions and a defined repayment plan.
Explore Hard Money LoansDiscuss private lending sources for properties or transactions that need a more individual review.
Explore Private Money LoansExplore financing for vacant land, raw land and residential lots based on the property and intended use.
Explore Land LoansCompare a separate loan with a credit line for expenses over time.
Compare options to access equity through a separate loan while keeping your existing first mortgage.
Explore Second Mortgage LoansExplore a revolving credit line for expenses over time, including draw periods, repayment terms and costs.
Explore HELOC OptionsMore than one approach may fit your situation. Eligibility depends on the borrower, property and lender requirements. Tell us what you’re planning and we’ll help you identify relevant options.
Start with your goals, not a program name. Your income, property, available equity and timing help shape the options. Whether you’re planning a straightforward home purchase or working through an unusual property or complex transaction, we can help you identify what to explore next.
Discuss the property, your budget and what you want to accomplish with a purchase or refinance.
Explore ways to document business, freelance or contract income for your financing needs.
Review your qualifications alongside the condo project and any HOA concerns a lender has raised.
Match financing to your rental, renovation or acquisition plans and intended repayment.
Compare a separate loan for a defined expense with a credit line you can draw from over time.
Choosing a mortgage starts with understanding your situation. SV Mortgage Group helps California homebuyers, homeowners and investors compare financing across multiple lending sources, from conventional purchases and refinances to transactions that need a more individual review.
Shane Valente brings more than 20 years of mortgage experience, including extensive work with condo financing, self-employed borrowers and investment properties.
Start with your income, property use and goals, including any concerns raised by a previous lender.
Compare relevant conventional and specialty programs, with clear explanations of documentation, costs and loan terms.
Know which records to prepare, why lenders request them and what remains to be resolved before closing.
From our Santa Cruz and Carmel offices, we help borrowers across Monterey County, the Bay Area and throughout California. Whether you’re buying a home, refinancing or financing an investment, start with a conversation about your property and plans.
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Not sure which financing approach fits? These answers explain where to start, when to explore alternatives and what to share when discussing your California mortgage options.
SV Mortgage Group helps California borrowers compare conventional and specialty financing for home purchases, refinancing, investment properties and access to home equity. Condo and non-warrantable condo financing is a core specialty within that broader range of services.
Options also include self-employed mortgage financing, investment property loans, bridge financing and private-money programs. Available options depend on your qualifications, property and transaction.
You do not need to select a program before contacting us. Start with your goals, income records, credit profile, available funds and property details. We can help you compare relevant conventional and specialty approaches.
Look beyond the initial payment. Consider the rate, fees, repayment term, documentation requirements and any features that could change your costs over time. A specialty program is worth exploring when its requirements and terms fit your situation.
Potentially. A decline from one lender does not establish whether every other lender would reach the same decision. Share the reason given so we can understand whether the issue involves your income documentation, credit, property, condo project or another requirement.
We can then review whether another lending source may be appropriate and what additional information is needed. Alternative financing still has qualification requirements, and a different lender does not guarantee approval.
Yes. SV Mortgage Group helps borrowers explore financing for a property purchase, refinancing an existing mortgage or accessing available equity. The appropriate approach depends on what you want to accomplish and the financing already secured by the property.
If keeping your first mortgage is a priority, we can discuss second mortgage options and home equity lines of credit. Compare the combined payments and costs with any refinance alternatives before deciding.
No. Being self-employed does not automatically mean you need a specialty loan. We can review your business history and available income records to help identify which financing approaches are worth exploring.
If traditional documentation presents a challenge, ask about bank statement financing and other relevant alternatives. The documentation used to evaluate income is one part of the review; your property, credit and available funds also matter.
For an initial conversation, have the property location and intended use, estimated purchase price or value, approximate financing amount and preferred timing. A brief summary of your income sources, available down payment or equity, and any previous lending concerns is also helpful.
For a refinance or equity loan, include your current mortgage balance and rate. For a condo, mention any known HOA or project issues. You do not need a complete document package to begin; we can explain which records are needed and how to provide sensitive information securely.
Buying a home, refinancing or planning an investment? Tell us about your property and goals. SV Mortgage Group can help you compare relevant loan programs, understand the requirements and clarify your next steps.
