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:
11716 Gurley Avenue, Downey

$5,750,000

↓ $200,000

11716 Gurley Avenue, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # PW23005386

562-266-7629

7360 Foster Bridge Boulevard, Downey

$3,750,000

7360 Foster Bridge Boulevard, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # P1-9339
12020 Rives Avenue, Downey

$2,500,000

↓ $300,000

12020 Rives Avenue, Downey

3 Beds 2 Baths 1,921 SqFt Residential MLS® # DW23032341

562-418-8799

10004 Birchdale Avenue, Downey

$2,499,000

↑ $100,000

10004 Birchdale Avenue, Downey

5 Beds 5 Baths 5,226 SqFt Residential MLS® # DW22247212

562-228-5029

7345 Dinwiddie Street, Downey

$2,199,999

7345 Dinwiddie Street, Downey

0 Beds 0 Baths 0 SqFt Residential Income MLS® # DW23024821

323-771-4949

8438 Cherokee Drive, Downey

$1,999,333

8438 Cherokee Drive, Downey

4 Beds 4 Baths 4,181 SqFt Residential MLS® # 23234663
9332 Lubec Street, Downey

$1,999,000

9332 Lubec Street, Downey

3 Beds 4 Baths 4,097 SqFt Residential MLS® # DW23012648

562-277-0330

9116 Hall Road, Downey

$1,950,000

9116 Hall Road, Downey

0 Beds 0 Baths 4,608 SqFt Residential Income MLS® # 23250357
8416 Florence Avenue, Downey

$1,799,000

8416 Florence Avenue, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # DW23023039

562-686-7056

7652 Coolgrove Drive, Downey

$1,500,000

7652 Coolgrove Drive, Downey

4 Beds 4 Baths 3,828 SqFt Residential MLS® # TR23020049

626-407-8179

7910 Harper Avenue, Downey

$1,499,000

7910 Harper Avenue, Downey

4 Beds 3 Baths 2,198 SqFt Residential MLS® # DW23039775

562-743-2121

10017 Chaney Ave, Downey

$1,400,000

10017 Chaney Ave, Downey

4 Beds 3 Baths 2,523 SqFt Residential MLS® # DW23044135

562-843-4885

10404 Sherry Avenue, Downey

$1,398,000

↑ $8,000

10404 Sherry Avenue, Downey

3 Beds 2 Baths 2,148 SqFt Residential MLS® # DW23030667

323-350-4561

7214 Florence Avenue, Downey

$1,350,000

↓ $350,000

7214 Florence Avenue, Downey

0 Beds 0 Baths 0 SqFt Land MLS® # SB22132186
8234 Cole Street, Downey

$1,350,000

8234 Cole Street, Downey

5 Beds 5 Baths 2,738 SqFt Residential MLS® # DW23016625

jrjimenez611@gmail.com

New
9425 Dacosta Street, Downey

$1,350,000

9425 Dacosta Street, Downey

4 Beds 4 Baths 2,783 SqFt Residential MLS® # CV23049336

909-802-8808

11933 Julius Avenue, Downey

$1,299,999

11933 Julius Avenue, Downey

4 Beds 3 Baths 3,084 SqFt Residential MLS® # 23244451
10214 Woodruff Avenue, Downey

$1,257,000

↓ $68,000

10214 Woodruff Avenue, Downey

3 Beds 2 Baths 2,469 SqFt Residential MLS® # DW22245338
11851 Paramount Boulevard, Downey

$1,250,000

11851 Paramount Boulevard, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # DW23040611

310-308-2026

12151 Paramount Boulevard, Downey

$1,200,000

12151 Paramount Boulevard, Downey

0 Beds 0 Baths 0 SqFt Commercial Sale MLS® # IV22198403
New
10550 Brierbush Avenue, Downey

$1,050,000

10550 Brierbush Avenue, Downey

3 Beds 2 Baths 1,766 SqFt Residential MLS® # DW23046675

brokerjeff@earthlink.net

9915 Arrington Avenue, Downey

$1,050,000

9915 Arrington Avenue, Downey

3 Beds 3 Baths 2,375 SqFt Residential MLS® # 23250733
10736 La Reina Avenue, Downey

$1,050,000

10736 La Reina Avenue, Downey

3 Beds 2 Baths 1,424 SqFt Residential MLS® # DW23009056

818-913-6227

11834 Haro Avenue, Downey

$995,000

11834 Haro Avenue, Downey

3 Beds 3 Baths 2,225 SqFt Residential MLS® # 23243075

Browse Lakewood's Real Estate Listings

Sort by:
New
1616 Granville Avenue # 303, Los Angeles

$4,195

1616 Granville Avenue # 303, Los Angeles

2 Beds 2 Baths 1,201 SqFt Residential Lease MLS® # DW23050547

310-220-9156

New
Lincoln Boulevard, California City

$10,000

Lincoln Boulevard, California City

0 Beds 0 Baths 0 SqFt Land MLS® # SR23050544

661-733-5700

New
79575 Mandarina, La Quinta

$1,300,000

79575 Mandarina, La Quinta

3 Beds 3 Baths 2,439 SqFt Residential MLS® # 219092804DA
New
142 Bridle Point Cir # 15, Copperopolis

$340,000

142 Bridle Point Cir # 15, Copperopolis

3 Beds 3 Baths 1,468 SqFt Residential MLS® # 41022531
New
1275 Paseo Redondo, Burbank

$1,089,000

1275 Paseo Redondo, Burbank

3 Beds 2 Baths 1,260 SqFt Residential MLS® # SR23047825

818-298-3855

New
13325 Gateway Lane, Whittier

$590,000

13325 Gateway Lane, Whittier

3 Beds 3 Baths 1,333 SqFt Residential MLS® # IG23029370

714-287-0669

New
1210 Auto Park Way, Escondido

$55,000

1210 Auto Park Way, Escondido

0 Beds 0 Baths 0 SqFt Business Opportunity MLS® # 230005661SD
New
8901 Eton Avenue #82, Canoga Park

$269,000

8901 Eton Avenue #82, Canoga Park

2 Beds 2 Baths 1,440 SqFt Manufactured In Park MLS® # SR23050549

818-577-6557

New
43656 Towne Street, Indio

$385,000

43656 Towne Street, Indio

4 Beds 2 Baths 1,600 SqFt Residential MLS® # 219092803DA
New
2638 Vonita, Corona

$670,000

2638 Vonita, Corona

4 Beds 0 Baths 1,969 SqFt Residential MLS® # IG23050448

626-532-5527

New
38840 Moore Drive, Fremont

$1,700,000

38840 Moore Drive, Fremont

4 Beds 3 Baths 1,879 SqFt Residential MLS® # 41022048
New
211 Gladys Avenue, Monterey Park

$675,000

211 Gladys Avenue, Monterey Park

2 Beds 2 Baths 933 SqFt Residential MLS® # CV23043383

homesbyiveth@gmail.com

New
4149 El Camino Way # D, Palo Alto

$910,000

4149 El Camino Way # D, Palo Alto

2 Beds 2 Baths 1,119 SqFt Residential MLS® # ML81922826
New
93 Strawflower Street, Ladera Ranch

$834,900

93 Strawflower Street, Ladera Ranch

2 Beds 3 Baths 1,440 SqFt Residential MLS® # OC23050123

949-887-9095

New
741 N Gordon Street, Pomona

$689,000

741 N Gordon Street, Pomona

3 Beds 3 Baths 1,500 SqFt Residential MLS® # IG23044208

714-514-5004

New
2405 Lisa Street, West Covina

$750,000

2405 Lisa Street, West Covina

4 Beds 2 Baths 1,579 SqFt Residential MLS® # GD23047640

818-974-9280

New
8387 Delco Avenue, Winnetka

$749,999

8387 Delco Avenue, Winnetka

3 Beds 2 Baths 1,765 SqFt Residential MLS® # SR23050168

818-581-1951

New
1756 University Avenue, Riverside

$250,000

1756 University Avenue, Riverside

0 Beds 0 Baths 0 SqFt Business Opportunity MLS® # IV23050538

909-437-3012

New
9650 Draco Road, Apple Valley

$499,500

9650 Draco Road, Apple Valley

4 Beds 3 Baths 2,435 SqFt Residential MLS® # PW23050539

626-665-0286

New
76913 Morocco Road, Palm Desert

$5,500

76913 Morocco Road, Palm Desert

3 Beds 3 Baths 1,704 SqFt Residential Lease MLS® # IV23050537

714-580-6289

New
29174 Verdi Road, Hayward

$230,000

29174 Verdi Road, Hayward

2 Beds 2 Baths 1,200 SqFt Residential MLS® # 41022591
New
15540 Blackfoot Road, Apple Valley

$399,900

15540 Blackfoot Road, Apple Valley

4 Beds 2 Baths 1,771 SqFt Residential MLS® # CV23050535

323-209-7677

New
22036 Antigua # 166, Mission Viejo

$2,950

22036 Antigua # 166, Mission Viejo

2 Beds 2 Baths 1,050 SqFt Residential Lease MLS® # OC23041673

310-490-6967

New
500 E Proctor Street, Wilmington

$749,000

500 E Proctor Street, Wilmington

3 Beds 2 Baths 1,489 SqFt Residential MLS® # DW23032379

562-556-2446

New
5148 Village 5, Camarillo

$515,000

5148 Village 5, Camarillo

2 Beds 2 Baths 961 SqFt Residential MLS® # V1-17242
New
1040 Coast Blvd S # 201, La Jolla

$4,300

1040 Coast Blvd S # 201, La Jolla

2 Beds 2 Baths 976 SqFt Residential Lease MLS® # 230005660SD
New
8507 Quezon Avenue, California City

$285,000

8507 Quezon Avenue, California City

3 Beds 2 Baths 1,323 SqFt Residential MLS® # SR23049902

661-466-6024

New
1922 Bel Air Road, Los Angeles

$19,000

1922 Bel Air Road, Los Angeles

6 Beds 7 Baths 7,049 SqFt Residential Lease MLS® # 23254587
New
9947 Robbins Drive # 203, Beverly Hills

$3,950

9947 Robbins Drive # 203, Beverly Hills

2 Beds 2 Baths 1,200 SqFt Residential Lease MLS® # 23254725