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

 


Sell in Downey for Just 3%. Buy in the City Downey, CA. with 4.875%, Interest Rate. Terms and Conditions Apply. Contact Carlos Campos at 1.424.201.0101 To Get Pre-Approved now.

Sort by:
9054 Suva Street, Downey

$2,700,000

9054 Suva Street, Downey

6 Beds 7 Baths 5,476 SqFt Residential MLS® # DW23139140
10224 La Reina, Downey

$2,499,900

10224 La Reina, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # PTP2303678
11525 Haro Avenue, Downey

$2,200,000

11525 Haro Avenue, Downey

8 Beds 6 Baths 0 SqFt Residential Income MLS® # SR23151488
9116 Hall Road, Downey

$1,950,000

9116 Hall Road, Downey

11 Beds 7 Baths 4,608 SqFt Residential Income MLS® # 23250357
7835 Irwingrove Drive, Downey

$1,699,900

7835 Irwingrove Drive, Downey

5 Beds 4 Baths 3,172 SqFt Residential MLS® # OC23170091
9808 Downey Avenue, Downey

$1,688,888

9808 Downey Avenue, Downey

3 Beds 3 Baths 2,050 SqFt Residential MLS® # PW23178060
9235 Gainford Street, Downey

$1,629,000

9235 Gainford Street, Downey

4 Beds 4 Baths 3,200 SqFt Residential MLS® # 23296787
10520 Myrtle Street, Downey

$1,625,000

10520 Myrtle Street, Downey

8 Beds 4 Baths 0 SqFt Residential Income MLS® # DW23086295
7844 Hondo Street, Downey

$1,500,000

7844 Hondo Street, Downey

5 Beds 5 Baths 3,806 SqFt Residential MLS® # PW23140964
11221 Pangborn Ave, Downey

$1,499,000

11221 Pangborn Ave, Downey

5 Beds 5 Baths 0 SqFt Residential Income MLS® # 230012861SD
12268 Samoline Avenue, Downey

$1,430,000

12268 Samoline Avenue, Downey

4 Beds 2 Baths 2,123 SqFt Residential MLS® # 23307675
11841 Paramount Boulevard, Downey

$1,350,000

↑ $250,000

11841 Paramount Boulevard, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # SB23157960
7940 6th Street, Downey

$1,325,000

↓ $50,000

7940 6th Street, Downey

5 Beds 4 Baths 3,509 SqFt Residential MLS® # CV23094381
10617 Casanes Avenue, Downey

$1,299,000

↓ $40,000

10617 Casanes Avenue, Downey

4 Beds 3 Baths 2,803 SqFt Residential MLS® # DW23091898
9408 Irwingrove Drive, Downey

$1,199,999

9408 Irwingrove Drive, Downey

3 Beds 2 Baths 1,632 SqFt Residential MLS® # DW23147904
New
7637 Brunache Street, Downey

$1,199,000

7637 Brunache Street, Downey

5 Beds 3 Baths 3,410 SqFt Residential MLS® # DW23180695
7162 Stewart And Gray Road, Downey

$1,122,000

7162 Stewart And Gray Road, Downey

4 Beds 3 Baths 2,169 SqFt Residential MLS® # DW23108282
12350 Brock Avenue, Downey

$1,025,000

↓ $25,000

12350 Brock Avenue, Downey

3 Beds 2 Baths 1,571 SqFt Residential MLS® # DW23132926
7202 Luxor Street, Downey

$1,025,000

7202 Luxor Street, Downey

4 Beds 3 Baths 2,150 SqFt Residential MLS® # OC23130454
10302 Woodruff Avenue, Downey

$999,000

10302 Woodruff Avenue, Downey

3 Beds 3 Baths 2,189 SqFt Residential MLS® # DW23160458
11834 Haro Avenue, Downey

$996,000

11834 Haro Avenue, Downey

3 Beds 3 Baths 2,225 SqFt Residential MLS® # 23311791
9325 Buell St, Downey

$995,000

9325 Buell St, Downey

3 Beds 2 Baths 2,013 SqFt Residential MLS® # RS23171133
7141 Cole St, Downey

$955,000

7141 Cole St, Downey

3 Beds 2 Baths 1,768 SqFt Residential MLS® # DW23148079
7343 Hannon Street, Downey

$950,000

↑ $100

7343 Hannon Street, Downey

4 Beds 3 Baths 1,654 SqFt Residential MLS® # CV23143979

Browse Lakewood's Real Estate Listings

Sort by:
New
11810 Hi Ridge Rd, Lakeside

$1,295,000

11810 Hi Ridge Rd, Lakeside

3 Beds 5 Baths 4,455 SqFt Residential MLS® # 230019406SD
New
4225 Benji Avenue, Joshua Tree

$125,000

4225 Benji Avenue, Joshua Tree

0 Beds 0 Baths 0 SqFt Land MLS® # JT23182225
New
13014 Rimrock Avenue, Chino Hills

$1,599,999

13014 Rimrock Avenue, Chino Hills

4 Beds 3 Baths 3,130 SqFt Residential MLS® # CV23183170
New
211 Lark Drive, Paso Robles

$389,900

211 Lark Drive, Paso Robles

2 Beds 2 Baths 1,152 SqFt Residential MLS® # NS23183162
New
20140 Kayne Street, Corona

$699,900

20140 Kayne Street, Corona

4 Beds 3 Baths 2,067 SqFt Residential MLS® # CV23183302
New
Polk Street, Thermal

$8,400,000

Polk Street, Thermal

0 Beds 0 Baths 0 SqFt Land MLS® # 219100701DA
New
1237 S Holt # 406, Los Angeles

$4,995

1237 S Holt # 406, Los Angeles

3 Beds 2 Baths 0 SqFt Residential Lease MLS® # 23317221
New
4404 Comly Street, Los Angeles

$699,000

4404 Comly Street, Los Angeles

2 Beds 3 Baths 1,116 SqFt Residential MLS® # 23316923
New
4492 Apricot Road # B, Simi Valley

$3,700

4492 Apricot Road # B, Simi Valley

3 Beds 3 Baths 1,166 SqFt Residential Lease MLS® # 223003981
New
1040 Sunset Road, Joshua Tree

$55,000

1040 Sunset Road, Joshua Tree

0 Beds 0 Baths 0 SqFt Land MLS® # JT23182210
New
549 Wayland Court, Claremont

$674,900

549 Wayland Court, Claremont

2 Beds 3 Baths 1,499 SqFt Residential MLS® # IV23183752
New
966 S St Andrews Place # 102, Los Angeles

$3,000

966 S St Andrews Place # 102, Los Angeles

2 Beds 2 Baths 1,150 SqFt Residential Lease MLS® # PW23183924
New
1032 W Lamark Lane, Anaheim

$674,999

1032 W Lamark Lane, Anaheim

3 Beds 3 Baths 1,333 SqFt Residential MLS® # CV23180602
New
3046 Nimitz Blvd., San Diego

$7,500,000

3046 Nimitz Blvd., San Diego

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # 230019405SD
New
Bridle Path, Anza

$99,000

Bridle Path, Anza

0 Beds 0 Baths 0 SqFt Land MLS® # 219100698DA
New
1559 E 110th Street, Los Angeles

$480,000

1559 E 110th Street, Los Angeles

2 Beds 1 Bath 828 SqFt Residential MLS® # 23317071
New
17623 Weddington Street, Encino

$35,000

17623 Weddington Street, Encino

6 Beds 7 Baths 6,283 SqFt Residential Lease MLS® # SR23183903
New
7412 Hasty Avenue, Pico Rivera

$695,000

7412 Hasty Avenue, Pico Rivera

3 Beds 2 Baths 1,379 SqFt Residential MLS® # DW23183594
850 W 43rd Place, Los Angeles

$726,000

850 W 43rd Place, Los Angeles

8 Beds 3 Baths 3,112 SqFt Residential Income MLS® # 23272685
New
308 Maverick Place, Bonita

$1,399,000

308 Maverick Place, Bonita

5 Beds 3 Baths 2,434 SqFt Residential MLS® # 230019403SD
New
4321 Briar Cliff Rd, Oakland

$1,200,000

4321 Briar Cliff Rd, Oakland

3 Beds 2 Baths 1,356 SqFt Residential MLS® # 41040813
New
14212 Lakota Road, Apple Valley

$324,900

14212 Lakota Road, Apple Valley

2 Beds 1 Bath 948 SqFt Residential MLS® # RS23183928
New
2010 S Union Ave, Los Angeles

$1,150,000

2010 S Union Ave, Los Angeles

3 Beds 2 Baths 0 SqFt Residential Income MLS® # SR23183694
New
1360 Shady Lane # 823, Turlock

$357,900

1360 Shady Lane # 823, Turlock

3 Beds 2 Baths 1,290 SqFt Residential MLS® # MC23183925
New
627 Deep Valley Dr # 408, Rolling Hills Estates

$3,650

627 Deep Valley Dr # 408, Rolling Hills Estates

2 Beds 2 Baths 1,096 SqFt Residential Lease MLS® # PV23183897
New
29562 Seriana, Laguna Niguel

$2,250,000

29562 Seriana, Laguna Niguel

4 Beds 3 Baths 2,735 SqFt Residential MLS® # OC23183603
New
314 S 1st Avenue, Upland

$599,999

314 S 1st Avenue, Upland

2 Beds 1 Bath 896 SqFt Residential MLS® # CV23183618
New
646 Springbrook N # 16, Irvine

$3,600

646 Springbrook N # 16, Irvine

2 Beds 3 Baths 1,176 SqFt Residential Lease MLS® # OC23183921
New
157 S San Jose Drive, Glendora

$799,900

157 S San Jose Drive, Glendora

4 Beds 2 Baths 1,599 SqFt Residential MLS® # CV23183312