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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.

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Our personalized approach assures you we'll find the best rates and programs to assist you in your home buying goals.

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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!

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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 580 (under 580 is allowed with 10% down)
  • Conventional Loans – Minimum score of 620 with 3% down payment
  • Refinancing – To reduce interest rates or to cash out-use equity you have available now
  • Rehab Loans – Allows for repair funds for your property- conventional and FHA
  • 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 $766,500
  • USDA Loans – 100% financing available
  • Private Financing – We offer an array of shorter term unconventional loans
  • Reverse Mortgages – This can be a valuable tool