Types of Home Loans

A fixed rate and predictable payment make long-term budgeting straightforward, which matters in the Bay Area's high-cost market. Some first-time buyers pair it with a two-unit property and let rent cover part of the payment.

Pay off your home in half the time and build equity significantly faster. Typically comes with a lower interest rate than a 30-year, meaning you pay less over the life of the loan.

An ARM starts with a fixed rate for an initial period, typically 5, 7, or 10 years, then adjusts periodically. Often the right tool for buyers who plan to sell or refinance before the adjustment kicks in.

A Home Equity Line of Credit lets you tap your home's equity as a revolving credit line. Draw what you need, when you need it. Good for ongoing projects, tuition, or consolidating higher-rate debt, as long as you're tapping equity for the right reason.

Whether you want to lower your rate, shorten your term, or pull cash out of your equity, a refinance can be a smart move. If you've inherited a California home, Prop 19 adds a tax wrinkle worth understanding first. Either way, CJ will run the numbers to make sure it genuinely makes sense for you.

Finance your purchase and your renovation in a single loan, so you're not juggling a mortgage and a separate construction line. Perfect for fixer-uppers or buyers who want to customize a new home.

Unlike a traditional mortgage, a reverse mortgage pays you, converting your home equity into tax-free income while you remain in your home. Most are FHA-insured Home Equity Conversion Mortgages (HECMs).