Our Loan Products
Your Ultimate Choice for Home Loan Products in California
Find the ideal home loan products in California today. Citizens-Direct Home Loans offers wholesale-priced options with the lowest rates available, making it easier to finance your dream home. Whether you’re working with a low credit score or lack traditional income documentation, we have the perfect loan for you. We can close your loan in as fast as 15 days.
Get the funds you need quickly with our simple online loan process. With easy online loan applications, you’ll enjoy quick approvals and no hassle—apply today.
- Conventional and FHA purchase, rate reduction, and cash out refinance products
- 100% VA purchase and refinance programs for our Veterans
- No down payment required on our down payment assistance loans for first time homebuyers on Conventional and FHA programs
- No mortgage payments required on our purchase and refinance loans on our Reverse programs for our Senior Citizens
- HELOC and closed in second mortgage loans
- P&L loans are available without any bank statements required for self-employed borrowers
- 12-month bank statement loans for self-employed borrowers
- No income required for investor purchase loans with 20% down
- Stated income on business purpose and non owner cash out refinances