• FHA Loan Assistance
    If you are a first time home buyer, you'll want to give TCMS a call and learn more about low down payment FHA backed loans.
  • HARP Refinancing
    If your home has significantly decreased in value, you may qualify for HARP refinancing, don’t miss out on these historic low rates!
  • VA Loans
    If you are a veteran, you may qualify for a no down payment loan through the Veterans Administration; contact TCMS today to find out more!


At TCMS, we are dedicated to helping residents of California’s Central Valley get the prompt mortgage and refinancing services they need at rates they can afford. Our loan officers are licensed, experienced and provide the attentive and dedicated customer service and attention prospective homebuyers need in order to make the process of obtaining financing easy. We want to ensure you are getting the best possible deal when you get your mortgage through TCMS.


Contact Us Today for Information Regarding Any of the Following

  • FHA Loans – Backed by HUD, requires 3.5% down payment and a credit score of at least 600
  • Conventional Loans – Minimum score of 620 with 5% down payment/homepath
  • Refinancing – To reduce interest rates or to cash out
  • HARP 2.0 Loans – Rate reduction for existing loans higher than value of property
  • Rehab Loans – Allows for repair funds for your property
  • VA Loans – Backed by the US Department of Veterans affairs – no down payment required
  • First Time Home Buyer Loans – Features helpful down payment assistance program
  • Jumbo Loans – We can help you secure loans over $417,000
  • USDA Loans – 100% Financing available
  • Private Financing – We offer an array of shorter term unconventional loans