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.

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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:
7360 Foster Bridge Boulevard, Downey

$3,750,000

7360 Foster Bridge Boulevard, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # P1-9339
7729 Brookmill Road, Downey

$2,199,950

7729 Brookmill Road, Downey

5 Beds 3 Baths 3,516 SqFt Residential MLS® # DW22195062
10537 Downey Avenue, Downey

$2,000,000

10537 Downey Avenue, Downey

0 Beds 0 Baths 5,782 SqFt Residential Income MLS® # 22181406
10026 Mattock Avenue, Downey

$1,899,880

10026 Mattock Avenue, Downey

3 Beds 3 Baths 3,910 SqFt Residential MLS® # OC22144269
11520 Adco Avenue, Downey

$1,450,000

11520 Adco Avenue, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # PW22205620
7214 Florence Avenue, Downey

$1,350,000

↓ $350,000

7214 Florence Avenue, Downey

0 Beds 0 Baths 0 SqFt Land MLS® # SB22132186
8018 4th Street, Downey

$1,300,000

8018 4th Street, Downey

3 Beds 3 Baths 2,150 SqFt Residential MLS® # PW22202747
10609 Newville Avenue, Downey

$1,300,000

10609 Newville Avenue, Downey

3 Beds 2 Baths 1,267 SqFt Residential MLS® # DW22200371
7951 Melva Street, Downey

$1,250,000

↓ $15,000

7951 Melva Street, Downey

4 Beds 3 Baths 3,056 SqFt Residential MLS® # RS22111540
8371 Charloma Drive, Downey

$1,250,000

↓ $100,000

8371 Charloma Drive, Downey

4 Beds 3 Baths 3,168 SqFt Residential MLS® # IV22137287
12151 Paramount Boulevard, Downey

$1,200,000

12151 Paramount Boulevard, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # IV22198403
11519 Bellflower Boulevard, Downey

$1,188,000

11519 Bellflower Boulevard, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # OC22130217
8564 Suva Street, Downey

$1,149,950

↓ $50,000

8564 Suva Street, Downey

4 Beds 3 Baths 2,911 SqFt Residential MLS® # DW22198274
10404 Sherry Avenue, Downey

$1,097,000

↓ $108,000

10404 Sherry Avenue, Downey

3 Beds 2 Baths 2,148 SqFt Residential MLS® # DW22158273
10404 Sherry Avenue, Downey

$1,097,000

↓ $108,000

10404 Sherry Avenue, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # DW22158581
9554 Orizaba Avenue, Downey

$1,079,950

↓ $55,050

9554 Orizaba Avenue, Downey

4 Beds 2 Baths 2,128 SqFt Residential MLS® # DW22144987
9509 Downey Avenue, Downey

$1,075,000

↓ $24,950

9509 Downey Avenue, Downey

4 Beds 3 Baths 2,159 SqFt Residential MLS® # DW22160643
9209 Paramount Boulevard, Downey

$999,999

9209 Paramount Boulevard, Downey

4 Beds 3 Baths 2,201 SqFt Residential MLS® # DW22197818
7802 Adwen St., Downey

$999,000

↓ $46,000

7802 Adwen St., Downey

4 Beds 3 Baths 2,420 SqFt Residential MLS® # DW22192806
7727 Suva Street, Downey

$999,000

↓ $41,000

7727 Suva Street, Downey

4 Beds 3 Baths 2,231 SqFt Residential MLS® # DW22096912
10617 Dolan Avenue, Downey

$975,000

10617 Dolan Avenue, Downey

3 Beds 2 Baths 1,311 SqFt Residential MLS® # DW22104498
9388 Farm Street, Downey

$969,900

9388 Farm Street, Downey

3 Beds 2 Baths 1,577 SqFt Residential MLS® # PW22137274
8418 Suva Street, Downey

$958,000

↓ $30,000

8418 Suva Street, Downey

3 Beds 3 Baths 2,128 SqFt Residential MLS® # WS22154700
10603 Horton Avenue, Downey

$949,000

10603 Horton Avenue, Downey

3 Beds 3 Baths 1,940 SqFt Residential MLS® # 22197381

Browse Lakewood's Real Estate Listings

Sort by:
New
2950 South Grade Rd., Alpine

$1,775,000

2950 South Grade Rd., Alpine

0 Beds 0 Baths 0 SqFt Residential Income MLS® # 220024986SD
New
5525 Brunswick Ave, San Diego

$830,000

5525 Brunswick Ave, San Diego

4 Beds 2 Baths 1,242 SqFt Residential MLS® # 220024985SD
New
17272 Sycamore Street, Hesperia

$359,999

17272 Sycamore Street, Hesperia

2 Beds 2 Baths 984 SqFt Residential MLS® # CV22213925
New
4460 Cessna Street, Jurupa Valley

$3,300

4460 Cessna Street, Jurupa Valley

5 Beds 4 Baths 2,844 SqFt Residential Lease MLS® # IG22213900
New
28892 Calle Juca, Laguna Niguel

$4,400

28892 Calle Juca, Laguna Niguel

3 Beds 2 Baths 1,520 SqFt Residential Lease MLS® # OC22211921
New
400 Tyrella Avenue, Mountain View

$3,380,000

400 Tyrella Avenue, Mountain View

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # ML81909213
New
1248 Windsor Drive, San Bernardino

$477,000

1248 Windsor Drive, San Bernardino

3 Beds 2 Baths 1,229 SqFt Residential MLS® # IV22213924
New
61833 Desert Air Road, Joshua Tree

$999,000

61833 Desert Air Road, Joshua Tree

3 Beds 3 Baths 2,181 SqFt Residential MLS® # 219085278DA
New
24209 Carnation Way, Lake Elsinore

$524,000

24209 Carnation Way, Lake Elsinore

3 Beds 4 Baths 1,805 SqFt Residential MLS® # SW22212892
New
723 Jacaranda Street, Ontario

$720,000

723 Jacaranda Street, Ontario

4 Beds 2 Baths 1,260 SqFt Residential MLS® # IV22213921
New
9115 Fairway Drive, Kelseyville

$20,000

9115 Fairway Drive, Kelseyville

0 Beds 0 Baths 0 SqFt Land MLS® # LC22213920
New
437 Brookdale Drive, Merced

$379,900

437 Brookdale Drive, Merced

3 Beds 2 Baths 1,585 SqFt Residential MLS® # MC22211652
New
Broadway, Los Gatos

$3,500

Broadway, Los Gatos

1 Bed 1 Bath 470 SqFt Residential Lease MLS® # ML81909212
New
111 Calle Zancudo, Outside Area (Outside U.S.) Foreign Country

$125,000

111 Calle Zancudo, Outside Area (Outside U.S.) Foreign Country

4 Beds 2 Baths 2,000 SqFt Residential MLS® # OC22213908
New
75300 Hidden, Indian Wells

$6,500,000

75300 Hidden, Indian Wells

5 Beds 6 Baths 7,258 SqFt Residential MLS® # 219085277PS
New
1432 Fernside Blvd, Alameda

$999,000

1432 Fernside Blvd, Alameda

3 Beds 2 Baths 1,566 SqFt Residential MLS® # 41010414
New
23913 Constantine Dr, Murrieta

$669,000

23913 Constantine Dr, Murrieta

4 Beds 3 Baths 2,000 SqFt Residential MLS® # SW22213848
New
3095 Marina Drive # 2,

$499,000

3095 Marina Drive # 2,

2 Beds 2 Baths 967 SqFt Residential MLS® # ML81909211
New
80828 Song Bird Avenue, Indio

$1,999,000

80828 Song Bird Avenue, Indio

6 Beds 5 Baths 3,560 SqFt Residential MLS® # 219085276DA
New
15264 Highlands Harbor Road, Clearlake

$439,000

15264 Highlands Harbor Road, Clearlake

4 Beds 4 Baths 1,876 SqFt Residential MLS® # LC22213912
New
78638 Blooming Court, Palm Desert

$514,595

78638 Blooming Court, Palm Desert

2 Beds 2 Baths 1,527 SqFt Residential MLS® # 219085275DA
New
1679 N 2nd Avenue, Upland

$3,500

1679 N 2nd Avenue, Upland

4 Beds 2 Baths 1,846 SqFt Residential Lease MLS® # CV22213903
New
1762 Boca Raton Lane, Poway

$1,878,990

1762 Boca Raton Lane, Poway

5 Beds 5 Baths 3,673 SqFt Residential MLS® # 220024983SD
New
1412 Laurel Street, Chico

$369,000

1412 Laurel Street, Chico

3 Beds 1 Bath 1,172 SqFt Residential MLS® # SN22213888
New
1836 E Forrest Lane, San Bernardino

$105,000

1836 E Forrest Lane, San Bernardino

0 Beds 0 Baths 0 SqFt Land MLS® # IG22213907
New
334 Riviera Drive, Lake Arrowhead

$3,500

334 Riviera Drive, Lake Arrowhead

4 Beds 3 Baths 3,525 SqFt Residential Lease MLS® # EV22213901
New
1725 Laurel Street, Chico

$439,000

1725 Laurel Street, Chico

0 Beds 0 Baths 0 SqFt Residential Income MLS® # SN22213758
New
800 Lorraine Boulevard, Los Angeles

$1,497,000

800 Lorraine Boulevard, Los Angeles

0 Beds 0 Baths 0 SqFt Land MLS® # 22204989
New
1776 Boynton Avenue, Oroville

$399,500

1776 Boynton Avenue, Oroville

3 Beds 2 Baths 2,374 SqFt Residential MLS® # SN22212740