Government & Community Programs
At Insignia Mortgage, we specialize in navigating the complexities of the residential mortgage market, offering a seamless experience for those seeking conforming, community, or government-backed home loans. Our expertise lies in fast-tracking purchase and refinance transactions, ensuring you move quickly from application to closing.
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Dive into the world of conforming (Fannie Mae and Freddie Mac) and government (FHA and VA) loans with Insignia Mortgage. Our veteran processing and underwriting teams means you get access to traditional 15 and 30-year fixed-rate mortgages with the convenience of a single point of contact from start to finish. As brokers, with access to multiple lenders, you are assured highly competitive rates and terms.
Whether you’re eyeing a new purchase, a rate and term refinance, or a cash-out refi, we’re here to guide you. Our loans come with competitive rates and terms, tailored for primary residences, second homes, and even some investment properties—without the worry of prepayment penalties.
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Insignia Mortgage is proud to introduce this important lending product aimed at supporting low to moderate-income areas in Los Angeles, Ventura, and Orange Counties. This initiative reflects our commitment to community development, offering exceptionally competitive rates and flexible underwriting to empower more homeowners.
Key Features:
- Competitive Rates: Enjoy ultra-competitive 30-year fixed-rate mortgages.
- Generous Loan Amounts: Up to $1,209,750, tailored to the census track.
- Inclusive Financing: Stated income options up to 80% LTV, no mortgage insurance required, and financing up to 100% LTV.
- Flexible Qualifications: Co-signers welcome, gift funds for down payments accepted, and debt-to-income ratios up to 55%.
Embark on Your Mortgage Journey with Confidence
Insignia Mortgage is not just a broker; we’re your partner in achieving homeownership. With our tailored solutions, expert guidance, and commitment to service, we make the mortgage process straightforward and stress-free. Contact us today to explore how we can help you unlock the door to your dream home.
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Why Choose Insignia Mortgage?
Efficiency
Leverage our mastery of automated underwriting systems for faster approvals and smoother transactions.
Flexibility
Loan amounts up to $1,209,750 in select counties, with options for co-signers and up to 97% LTV financing.
Accessibility
Down payment gifts allowed, no closing cost options, and credit scores starting at 620.
Loan Transaction Spotlight
The Situation: Insignia Mortgage helped a two-income family purchase $750,000 primary residence purchase with a loan of 100% of the purchase price. One of the borrowers was self-employed. The family was looking for a very competitive 30-year fixed-rate mortgage
interest rate and needed to close in under 30 days.
The Solution: Insignia Mortgage located a community bank that was offering a community focused loan product that went up to 100% of purchase price in certain census tracks. The loan product was offered at zero points and had no upfront or monthly mortgage insurance.
The Loan Details:
- $750,000 loan amount
- 30-year fixed-rate mortgage
- 5.65% APR
- First-time home buyers
- Closed in 14 Days
From my early career as a sales associate through my years as the owner of a successful Los Angeles-based real estate company, I gained solid respect for the important role a mortgage lender plays in the successful purchase of a residential property. In my experience, Insignia Mortgage consistently accomplished what others could not. I not only use the firm for my personal finance needs but unhesitatingly recommend Insignia to my friends and colleagues.
John Aaroe, Owner, John Aaroe Real Estate
I have done business with Chris Furie for over 20 years and I look to Chris and Damon to source financing on my most complex transactions that require an out-of-the-box lending solution.
Kurt Rappaport, Westside Estate Agency, Wall Street Journal #4 Ranked Realtor 2013
I want to thank you for your help in getting me my loan. You not only got me a great loan that I’m very happy with, but you stayed on it from beginning to end and made me feel very comfortable through the process. You are the best in the business and I would suggest you to anyone buying a house.
Jay Luchs, Newmark Grubb Knight Frank
For over 14 years, I have used Chris’ services to obtain mortgage loans for many of my high-end clients as well as my own mortgage needs. He consistently provides the best terms and rates available in the market place. I will continue to recommend him to my friends and clients in the future.
Joyce Rey, Executive Director Coldwell Banker Previews International
Chris is highly attuned to the needs of the borrower and tailors his loan recommendations accordingly. No matter how complex the terms may be, I can always count on Chris to deliver my clients the best deal possible, on time and without fail.
