Looking for just the limited availability home loan programs in Laguna Niguel, CA that fit your unique situation? Start your free personalized mortgage review by clicking here.
Limited Availability Options for Purchasing a Home
We searched our national mortgage program database to find all of the purchase home loan options specific to Laguna Niguel, CA:
Conventional High-Balance Purchase Loan
Best For: Large Loan Amounts, Lowest Rates, Easy Process
Conventional financing option above the conforming limit in designated high cost counties across the United States
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$833,750 - $1,209,750
FHA High-Balance Purchase Loan
Best For: Large Loan Amounts, Easy Qualification
FHA financing option for purchasing a home above the government limit in designated high cost counties across the United States.
Min. Credit Score
580
Min. Down Payment
3.5%
Max. Loan Amount
$833,750 - $1,209,750
HomeReady® High-Balance Purchase Loan
Best For: First Time Homebuyers, Large Loan Amounts
HomeReady® financing option above the conforming loan limits in designated high-cost counties across the United States.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$833,750 - $1,209,750
Home Possible® High-Balance Purchase Loan
Best For: First Time Homebuyers, Large Loan Amounts
Low down payment financing above the conforming loan limit with discounted fees for creditworthy low and moderate income borrowers across the US.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$833,750 - $1,209,750
Special Programs for Limited Availability
These additional loan programs available in Laguna Niguel, CA may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.
GSFA Platinum® "Select" Program
Best For: First Time Homebuyers, Zero Down
The GSFA Platinum® "Select" Program provides up to 5% in down payment assistance as a standard second mortgage combined with a gift.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$726,200
Up to 5.00% of 1st Loan Amount Program Benefit Amount
CHOICERenovation® High-Balance Purchase Loan
Best For: Large Loan Amounts, Home Renovations
Include for home improvements in with a conventional loan above the conforming loan limit using this convenient and flexible program for renovations.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$833,750 - $1,209,750
Up to 75% of Price or ValueYour Estimated Renovation Fund
CHOICERenovation® High-Balance Refinance
Best For: Large Loan Amounts, Home Renovations
Refinance above the conforming loan limits with funds for home improvements and repairs with this convenient and flexible renovation loan program.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$833,750 - $1,209,750
Up to 75% of Price or ValueYour Estimated Renovation Fund
HomeStyle® High-Balance Renovation Purchase Loan
Best For: Large Loan Amounts, Home Renovations
Popular renovation mortgage option for purchasing a home with a loan amount above the standard conforming limit.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$833,750 - $1,209,750
Up to 75% of Price or ValueYour Estimated Renovation Fund
HomeStyle® High-Balance Renovation Refinance
Best For: Large Loan Amounts, Home Renovations
Refinance with a budget for renovations for a loan amount above the standard conforming limit, allowing you to turn your house into your dream home.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$833,750 - $1,209,750
Up to 75% of Price or ValueYour Estimated Renovation Fund
* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.
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