About Solcosta Home Loans
Solcosta Home Loans is an independent, locally owned mortgage brokerage dedicated to serving clients exclusively within California. The firm is recognized as a top-rated mortgage brokerage in Napa County, a testament to its commitment to client satisfaction and service excellence in the region.
The brokerage prides itself on offering competitive rates and a streamlined loan process, aiming to simplify the often-complex journey of securing a home loan or refinancing. They cater to a broad spectrum of borrowers, including first-time homebuyers, self-employed individuals, and real estate investors, providing tailored solutions for various financial needs.
Solcosta Home Loans distinguishes itself through its comprehensive range of loan options, from conventional and government-backed loans like FHA and VA, to more specialized products such as Jumbo and Non-QM (Bank Statement and DSCR) loans. Their dedication to world-class service and guiding clients through their unique needs and goals underscores their operational philosophy.
The brokerage prides itself on offering competitive rates and a streamlined loan process, aiming to simplify the often-complex journey of securing a home loan or refinancing. They cater to a broad spectrum of borrowers, including first-time homebuyers, self-employed individuals, and real estate investors, providing tailored solutions for various financial needs.
Solcosta Home Loans distinguishes itself through its comprehensive range of loan options, from conventional and government-backed loans like FHA and VA, to more specialized products such as Jumbo and Non-QM (Bank Statement and DSCR) loans. Their dedication to world-class service and guiding clients through their unique needs and goals underscores their operational philosophy.
Company Information
Lender Type: Mortgage Broker
Licensed In
CA
Digital Capabilities
Online Application
Rate Calculator
Pre-Qualification Tool
Home Loan Products
Conventional Loan Program
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Available Terms:
15 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
3%
Min Down Payment
620
Min Credit Score
FHA Loan Program
Loan Types:
FHARefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Available Terms:
15 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
620
Min Credit Score
VA Loan Program
Loan Types:
VARefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Available Terms:
15 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0
620
Min Credit Score
Jumbo Loan Program
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
10%
Min Down Payment
90%
Max LTV
620
Min Credit Score
Bank Statement Loan
Loan Types:
Non-QMBank Statement
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-Employed
Income Verification:
Bank StatementNo Income Verification
Special Programs:
Self-Employed ProgramBank Statement Program
DSCR Loan
Loan Types:
Non-QMDSCR
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Investment Property
Employment Types:
Investor
Income Verification:
No Income Verification
Down Payment Assistance Program
Loan Types:
ConventionalFHAVAUSDA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Down Payment AssistanceFirst-Time Homebuyer
0
Home Equity Line of Credit (HELOC)
Loan Types:
HELOC
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
USDA Loan Program
Loan Types:
USDA
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0
620
Min Credit Score
Contact Information
1030 Seminary St Suite A2
Napa, CA 94590
US
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Business Information
Category: Mortgage Broker
Location: Napa, CA
Status: Standard
Type: Mortgage Broker
Profile Views: 0
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