Banc Home Loans offers a variety of mortgage products and residential financing options. As a prospective and highly valued applicant, we believe you should be fully informed of your residential financing options.

We encourage you to investigate the multiple choices available and to inquire with your Loan Representative as to the loan program options that are most suitable to your specific needs. The following briefly highlights the programs we currently offer:

Federal Housing Administration (“FHA”)

  • Lower down payment requirement than for most standard conventional financing
  • Streamline Refinance available for refinancing of existing FHA
  • Up Front Mortgage Insurance Premium required on most loans

Veterans Administration (“VA”)

  • Available to qualified active and retired military personnel
  • Interest Rate Reduction Refinance Loans (IRRRL) available for refinancing of existing VA financing
  • Financing with no down payment requirement is available for qualified veterans

California Housing Finance Agency (“CalHFA”)

  • Available in California only
  • 1st Time homebuyer restrictions apply
  • Down payment assistance available from CHDAP
  • Conventional and FHA financing available
  • Income and Household Size restrictions apply

United States Department of Agriculture (“USDA”)

  • Property eligibility determined according to County eligibility
  • Availability of Funds determined by USDA
  • Income and Household Size restrictions apply
  • Financing with no minimum down payment is available for qualified property and borrowers

Conventional Conforming (“Agency”)

  • Both Fixed Rate and Adjustable Rate loans available
  • Mortgage Insurance may be required for certain loan-to-value ratios

Agency High-Balance

  • Conventional financing greater than $417,000 up to specific limit for each county
  • Additional reserve requirements apply for certain property types


  • Conventional financing greater than $417,000 up to $2,000,000
  • County designated loan limits may apply
  • Debt-to-Income ratio limitations
  • Reserve requirements

NOTE: Not all applicants will qualify. Program availability and terms are subject to change without notification. Neither Banc Home Loans nor the above noted agencies warrant that you will qualify for any of the aforementioned loan products. This product listing is not a contract, nor exhaustive program description, and does not constitute loan qualification or approval.