If you are looking to remove your FHA Mortgage Insurance, you've come to the right place!

Who Can Refinance with a conventional loan?

If you have an FHA loan and looking to cash out, most likely you'll need this type of loan. Anyone who is currently employed and has sufficient income to pay for the loan, and is paying off debt. If you're refinancing to cash out to pay some bills, or want to work on your business idea, or remove someone from the loan or title, also if you are considering removing the mortgage insurance, it is also the type of loan that you'll need. Our "agency" conventional loans have the lowest rates in the market. 


Interested in Refinancing?

Are you thinking of refinancing your mortgage?

Book your Quote Now. No SSN Needed. Sales Free Loan Benefit Analysis.

Contact Us

AGENCY CONVENTIONAL- REFI OR PURCHASE (10-30 YEAR FIXED)

  • Minimum Loan Amount $125,000
  • Maximum Loan Amount to County Loan Limit 
  • Manufactured Housing Okay 
  • Removes Mortgage Insurance if Refinancing
  • Max Cash Out to County Loan Limit
  • Purchase/Refinance
  • Owner Occupied/Investment/Second Home
  • 700+ FICO, up to 85% LTV
  • 2nd Home, Investment to 85% LTV, 45% DTI SFR-4 Units
  • Mortgage Insurance is Removed when LTV is 79.99% or less. 
  • 40%-55% DTI depending on FICO, & LTV 
  • Competitive Rates
  • Flexible Terms (8-30 years)
  • No Pre-Payment Penalties
  • 30 year amortization 
  • Ideal for primary purchases & Owner Occupied 
  • Wage Earner (W2) or Self-Employed 
  • SWT (Single Wide Trailers), MWT(Multi Wide Trailers), Condo's, PUD's, SFR's, SFR 1-4 units 
  • Close most loans in less than 19 days or less 
  • Lowest Mortgage Insurance Cost in the Country 
  • 2-3 Month Minimum Reserves, depending on automated finding

APPLY NOW 


3% to 5% Conventional Loan Purchase 

Anyone who has enough income to place a 3% to 5% down or so, you have to qualify and have the income to service this debt, is ideal for this loan. Young professionals to seasoned executives qualify to use this loan.

You can purchase with 3% down using conventional loans and depending on county loan limits. 

Who is this conventional loan good for? It's good for someone who wants to lock in a higher loan amount, higher than the traditional FHA loan will go, up to $970,800 in certain counties for a single family residence purchase. This places you above the FHA loan limit, and it places you in programs with 3%-5% down.  If you enter the purchase with 10% down, we guarantee you the lowest rate, and the lowest mortgage insurance in the country.

Who Can Refinance with a conventional loan?

If you have an FHA loan and looking to cash out, most likely you'll need this type of loan. Anyone who is currently employed and has sufficient income to pay for the loan, and is paying off debt. If you're refinancing to cash out to pay some bills, or want to work on your business idea, or remove someone from the loan or title, also if you are considering removing the mortgage insurance, it is also the type of loan that you'll need. Our "agency" conventional loans have the lowest rates in the market. 

AGENCY HSF 20% Down Purchase (10-30 YEAR FIXED)

  • No MI (Mortgage Insurance) 
  • Purchase Prices Upwards of $1,007,300.
  • Terms/Conditions Same As Above
  • Best Guaranteed Rate
  • Lower Rates than retails banks, federal or local credit unions, or middle market lenders
  • No Pre-Payment Penalties
  • 30 year amortization 
  • Wage Earner (W2), Corporations, Owner Users, Investors, Real Estate Property Managers, Realtors, Doctor's, Accountants, Professionals, Self-Employed
  • 20% DOWN
  • 1 Month Minimum Reserves, depending on automated findings

APPLY NOW 

FLEX LOAN TERMS

  • Available on all loans, owner occupied, second homes, investor loans 
  • As low as 8 Years
  • Custom to your current remaining years, so you lock in the new lower rate with the same years left on your current mortgage
  • 22 Years, 18 Years, 19 Years, 27 years, highly customizable loans to meet your needs

BOOK FREE QUOTE NOW 

AGENCY HSF ARMS (5-, 7- AND 10-YEAR)

  • We have our 5-, 7- and 10-year adjustable-rate mortgages

    • Conventional 5, 7, and 10 year
      • 700+ FICO, up to 80% LTV
      • Primary, second, and investment properties on purchase, rate/term and cash out refinance
      • $125,000 minimum loan amount
    • Conventional 5, 7, and 10 year
      • 640+ FICO, up to 95% LTV
      • Primary, second, investment, purchase, rate/term and cash out refinance
    • Conventional High Balance 5, 7, and 10 year
      • 700+ FICO, up to 80% LTV
      • Primary, second, and investment properties on purchase, rate/term and cash out refinance
      • Loan amounts from $647,200 up to county loan limit
    • Conventional High Balance 5, 7, and 10 year
      • 640+ FICO, up to 95% LTV
      • Primary, second, investment properties on purchase, rate/term refinance and cash out refinance
      • Loan amounts from $647,200 up to county loan limit

BOOK FREE QUOTE NOW 

REFINANCE & Remove Mortgage Insurance 

HSF's exclusive loan product that REMOVES mortgage insurance on conventional loans with a higher loan to value between 80% and 89.99%. 

  • Conventional 30-year fixed only; Flex Term not available
  • Available for primary and second home purchases and rate/term refinances
  • LTV between 80.01 and 89.99%  
  • Up to 45% DTI
  • 680+ FICO
  • Loan amounts starting at $200,000
  • Free MI Loan Program for High High Balance Loans for loan amounts over the county loan limits

APPLY NOW 

AGENCY HSF 3% DOWN (PURCHASE LOAN)

Ideal for the first-time homebuyers with the 3% Down program. 

  • Purchases LTV to 97%
  • Lower Payments than FHA
  • Lower Mortgage Insurance Payments than FHA
  • W2 or Self Employed, Doctor, CPA, Professionals
  • No Income Restrictions 
  • Available in CA, FL,CO 
  • Lowest Mortgage Insurance in the Country
  • Eligible for single family homes, including townhouses and condos
  • At least one borrower must be a first time homebuyer
  • Loan will close in less than 10 Days
  • Available on single- and multi-wide, condos and PUDs for Manufactured Homes with LTV up to 95%
  • Maintain your assets and lever the property for higher return on investment for first time home buyers in luxury or secondary markets 

BOOK NOW 


HOPE STREET FUNDING

Licensed by the California Department of Real Estate/BRE: #2128366

Licensed by the National Mortgage Licensing #2040148

Equal Opportunity Lender 

Approved in California, Colorado and Florida.

HSFR Logoequal-housing-lender

TERMS AND CONDITIONS APPLY 

Book An Appointment Now

 


View Downey Orange Estates Real Estate Listings

Sort by:
9252 Elm Vista Drive, Downey

$14,170,000

9252 Elm Vista Drive, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # 21772768
12024 Bellflower Boulevard, Downey

$6,150,000

↓ $200,000

12024 Bellflower Boulevard, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # DW22067155
10528 Arrington Avenue, Downey

$5,061,300

10528 Arrington Avenue, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # 21772698
7360 Foster Bridge Boulevard, Downey

$3,750,000

7360 Foster Bridge Boulevard, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # P1-9339
10223 Pico Vista Road, Downey

$2,199,950

↓ $200,000

10223 Pico Vista Road, Downey

5 Beds 5 Baths 3,839 SqFt Residential MLS® # RS21138770
8438 Cherokee Drive, Downey

$2,095,000

8438 Cherokee Drive, Downey

4 Beds 4 Baths 4,381 SqFt Residential MLS® # 21772540
10537 Downey Avenue, Downey

$2,000,000

↑ $100,000

10537 Downey Avenue, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # 21772774
8439 Boyne Street, Downey

$1,999,999

8439 Boyne Street, Downey

5 Beds 4 Baths 3,400 SqFt Residential MLS® # PW22024045
9136 Charloma Drive, Downey

$1,999,999

↑ $400,000

9136 Charloma Drive, Downey

4 Beds 3 Baths 2,237 SqFt Residential MLS® # DW21238448
10210 Bellman Avenue, Downey

$1,975,000

↓ $15,000

10210 Bellman Avenue, Downey

3 Beds 2 Baths 3,772 SqFt Residential MLS® # PW22074099
8648 Florence Avenue, Downey

$1,975,000

↓ $15,000

8648 Florence Avenue, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # PW22074122
11525 Haro Avenue, Downey

$1,750,000

11525 Haro Avenue, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # SR22019888
7214 Florence Avenue, Downey

$1,700,000

7214 Florence Avenue, Downey

0 Beds 0 Baths 0 SqFt Land MLS® # SB22132186
9114 Irwingrove Drive, Downey

$1,500,000

↓ $99,000

9114 Irwingrove Drive, Downey

4 Beds 4 Baths 4,053 SqFt Residential MLS® # CV22085812
9821 Downey Avenue, Downey

$1,299,000

9821 Downey Avenue, Downey

5 Beds 4 Baths 3,120 SqFt Residential MLS® # CV22112274
7951 Melva Street, Downey

$1,265,000

7951 Melva Street, Downey

4 Beds 3 Baths 3,056 SqFt Residential MLS® # RS22111540
12024 Patton Road, Downey

$1,200,000

12024 Patton Road, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # 22148347
8063 Otto Street, Downey

$1,199,000

8063 Otto Street, Downey

4 Beds 3 Baths 2,147 SqFt Residential MLS® # 22167119
11519 Bellflower Boulevard, Downey

$1,188,000

11519 Bellflower Boulevard, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # OC22130217
9325 Buell Street, Downey

$1,099,999

↓ $89,001

9325 Buell Street, Downey

3 Beds 2 Baths 2,013 SqFt Residential MLS® # DW22052913
New
7703 Ciro Street, Downey

$1,099,000

7703 Ciro Street, Downey

3 Beds 2 Baths 1,713 SqFt Residential MLS® # 22167931
7727 Suva Street, Downey

$1,040,000

7727 Suva Street, Downey

4 Beds 3 Baths 2,231 SqFt Residential MLS® # DW22096912
8412 Florence Avenue, Downey

$999,999

8412 Florence Avenue, Downey

3 Beds 1 Bath 1,181 SqFt Residential MLS® # DW22073423
9609 Orizaba Avenue, Downey

$999,000

9609 Orizaba Avenue, Downey

4 Beds 3 Baths 2,251 SqFt Residential MLS® # DW22122206

Browse Lakewood's Real Estate Listings

Sort by:
New
632 Indianapolis Avenue, Huntington Beach

$2,499,000

632 Indianapolis Avenue, Huntington Beach

5 Beds 6 Baths 3,364 SqFt Residential MLS® # OC22142114
New
359 Silver Lake Drive, Chico

$595,000

359 Silver Lake Drive, Chico

3 Beds 2 Baths 1,765 SqFt Residential MLS® # SN22114790
New
2013 N Rose Street, Burbank

$1,175,000

2013 N Rose Street, Burbank

4 Beds 3 Baths 1,444 SqFt Residential MLS® # SR22140883
New
800 Encinitas Boulevard # 101, Encinitas

$748,500

800 Encinitas Boulevard # 101, Encinitas

2 Beds 1 Bath 1,092 SqFt Residential MLS® # NDP2206833
New
1450 Melrose Avenue # 147, Chula Vista

$459,900

1450 Melrose Avenue # 147, Chula Vista

2 Beds 2 Baths 980 SqFt Residential MLS® # PTP2204332
New
51063 Twenty Nine Palms Highway # 21, Morongo Valley

$39,900

51063 Twenty Nine Palms Highway # 21, Morongo Valley

1 Bed 1 Bath 576 SqFt Manufactured In Park MLS® # IV22136130
New
N/A, Hollister

$697,000

N/A, Hollister

3 Beds 2 Baths 1,080 SqFt Residential MLS® # ML81894896
New
8710 Sierra Vista Road, Atascadero

$925,000

8710 Sierra Vista Road, Atascadero

3 Beds 3 Baths 2,002 SqFt Residential MLS® # NS22138688
New
45525 Site 260 Highway 79, Aguanga

$199,000

45525 Site 260 Highway 79, Aguanga

0 Beds 0 Baths 0 SqFt Land MLS® # SW22142444
New
2510 Via Campesina, Palos Verdes Estates

$2,100,000

2510 Via Campesina, Palos Verdes Estates

3 Beds 4 Baths 2,940 SqFt Residential MLS® # SB22142229
New
72310 Merry Vale Way, Palm Desert

$389,500

72310 Merry Vale Way, Palm Desert

2 Beds 2 Baths 1,786 SqFt Residential MLS® # 219081187DA
New
2897 Oleander Avenue, Merced

$295,000

2897 Oleander Avenue, Merced

3 Beds 1 Bath 1,028 SqFt Residential MLS® # MC22142452
New
30926 Marbella Way, Highland

$724,490

30926 Marbella Way, Highland

5 Beds 3 Baths 2,537 SqFt Residential MLS® # SW22142418
New
23741 Perth Bay, Dana Point

$3,750,000

23741 Perth Bay, Dana Point

3 Beds 2 Baths 1,776 SqFt Residential MLS® # LG22141073
New
4211 W Woodland Avenue, Burbank

$1,569,000

4211 W Woodland Avenue, Burbank

3 Beds 2 Baths 1,493 SqFt Residential MLS® # BB22137796
New
779 W 24th Street # 2, San Pedro

$560,000

779 W 24th Street # 2, San Pedro

2 Beds 3 Baths 1,241 SqFt Residential MLS® # PW22142408
New
6123 W Avenue J12, Lancaster

$519,900

6123 W Avenue J12, Lancaster

4 Beds 3 Baths 2,257 SqFt Residential MLS® # SR22142446
New
37146 Waltham Place, Palmdale

$499,000

37146 Waltham Place, Palmdale

4 Beds 2 Baths 1,708 SqFt Residential MLS® # SR22142443
New
3600 Mountain Avenue # 12f, San Bernardino

$239,999

3600 Mountain Avenue # 12f, San Bernardino

2 Beds 2 Baths 1,064 SqFt Residential MLS® # CV22142439
New
43135 Moonridge Road, Big Bear

$699,999

43135 Moonridge Road, Big Bear

4 Beds 3 Baths 1,456 SqFt Residential MLS® # PW22142177
New
21642 Viento Road, Apple Valley

$389,000

21642 Viento Road, Apple Valley

3 Beds 2 Baths 1,863 SqFt Residential MLS® # DW22142422
New
1014 Seena Ave., Los Altos

$3,800,000

1014 Seena Ave., Los Altos

3 Beds 1 Bath 1,440 SqFt Residential MLS® # 220016633SD
New
21804 Halldale Avenue, Torrance

$895,000

21804 Halldale Avenue, Torrance

3 Beds 2 Baths 1,458 SqFt Residential MLS® # SB22140375
New
4073 Aladdin Drive, Huntington Beach

$1,750,000

4073 Aladdin Drive, Huntington Beach

3 Beds 3 Baths 1,496 SqFt Residential MLS® # OC22136054
New
30 Remington Lane, Aliso Viejo

$1,998,800

30 Remington Lane, Aliso Viejo

4 Beds 4 Baths 3,663 SqFt Residential MLS® # OC22120766
79 Via Minorca, Cathedral City

$117,900

79 Via Minorca, Cathedral City

2 Beds 2 Baths 1,464 SqFt Manufactured In Park MLS® # 22154835
New
4716 W Maplewood Avenue, Los Angeles

$4,200

4716 W Maplewood Avenue, Los Angeles

3 Beds 3 Baths 1,432 SqFt Residential Lease MLS® # 22173777
New
1050 S Grand Avenue # 1203, Los Angeles

$4,400

1050 S Grand Avenue # 1203, Los Angeles

2 Beds 2 Baths 1,151 SqFt Residential Lease MLS® # 22173775
New
4199 Woodlane Court, Westlake Village

$4,695,000

4199 Woodlane Court, Westlake Village

6 Beds 7 Baths 7,251 SqFt Residential MLS® # 22173673