Thinking about buying a new home or refinancing?

No Problem,

We are here to help!

We specialize in turning aspirations into reality by offering tailored mortgage solutions. Explore our range of mortgage options,expert advice,and personalized service that make home financing a seamless and rewarding experience. Your dream home awaits, and we’re here to help you unlock the door to a brighter future. Start your homeownership journey with loan on time today.

One easy application

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Funding options up to $800k

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No asset security required

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Current interest Rate

Program


Conforming

APR

HB

APR

Jumbo

APR

30 YR Fixed

6.500%

6.732%

6.625%

6.740%

6.750%

6.890%

15 YR Fixed

5.875%

5.950%

6.250%

6.375%

6.375%

6.650%

5 YR ARM


6.125%

6.460%

6.125%

6.310%

6.125%

6.260%

Mortgage Calculator

5%

1%

5%

1421

Monthly Payment

Principal & Interest 1421

Monthly Taxes 1421

Monthly HOA 1421

Monthly Insurance 1421

ABOUT US

Loan On Time

With over two decades of unwavering commitment to excellence, Loan on time stands as a beacon of expertise in the dynamic landscape of California real estate financing. Since our inception, we have been dedicated to providing unparalleled service as a premier mortgage broker company.
At Loan on time, we understand that securing the right mortgage is a pivotal step in realizing your dreams of homeownership. Our journey, spanning more than 20 years, has been marked by a steadfast dedication to our clients’ success. Through economic fluctuations and market shifts, we have consistently adapted to deliver innovative solutions and guide our clients towards financial prosperity.

SERVICES

Loan Program

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Mortgage Consultation

In-depth discussions to understand the client’s financial situation, goals, and preferences. Evaluation of credit history and financial documents to determine eligibility.

Pre-ApprovaI Assistance

Assisting clients in obtaining pre-approval for a mortgage, which strengthens their position when making offers on properties.

Application Processing

Guiding clients through the mortgage application process. Collecting and organizing necessary documentation for loan approval.

Loan Shopping and Comparison

Researching and comparing various mortgage products from different lenders to find the most suitable options. Analyzing interest rates, terms, and conditions to identify the best financing solutions.
SERVICES

Our Loan Programs

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Conforming Loan

We provide the loan program which meets specific guidelines set by two government-sponsored institutions, Fannie Mae and Freddie Mac. Getting a conforming loan will benefit you because eligibility, pricing and features are standardized. Conforming loan limit for 2022 is up to $822,375 depending on the limit in individual county .

VA / FHA Loan

FHA loans and VA loans both are government-insured mortgages. The distinction is that VA loans are available to eligible military service members, veterans, and surviving spouses, while FHA loans are available to any borrower who qualifies under FHA lending standards.

Jumbo/Super Jumbo Program

Our jumbo loan options include flexible adjustable rates & fixed rate products with financing for loan amounts up to $5 million. Interest only options are available for qualified borrowers!

Non-QM Loan

We understand every family has different financial situation, no matter if you are self-employed with a lot of income tax write-off’s, have less than perfect credit history or even you are a foreigner who wants to invest in the US real estate market, we have alternative solution to help you get a home mortgage loan!

Home Purchase Bridge Loan

If you need a quick and easy close loan to compete with all those full cash buyers or if you want to buy a new property without selling your current property for down payment, we have tailor made solution for you!

Our goals:

"Help Home Owners"

WHY CHOOSE US?

The results will be satisfying with us

Experience that Matters: Our seasoned team brings a wealth of experience, navigating the intricacies of the California real estate market. Benefit from our deep industry insights and proven track record.