Mortgages

Tulare County Mortgage Services Inc. is a mortgage broker that has many options for loans. Listed are just some of the products that we offer. Call us for additional information.

Conventional

Conventional loans go up to a max of $484,350. They offer many great options including cash out up to 80% of the appraised value. These loans allow to get mortgage insurance removed once you drop below 80% of the value of the property which can save you a significant amount of money. Conventional loans also allows up to 10 properties to be financed. You are also able to buy a property for elderly parents or a disabled child as an owner occupied property. 1st/2nd combo’s to avoid mortgage insurance are allowed. Down payments as low as 3% are available.

VA/FHA/USDA

VA or FHA. A mortgage broker such as TCMS has a number of lenders and programs available to compare, and find the best loan, rate and term, based on your individual scenario. FHA is a 3.5% down loan. VA allows for no down payment. USDA with no down payment required.

DOWN PAYMENT ASSISTANCE PROGRAMS

Some down payment assistance programs are as follows: Calhafa, platinum, city assistance programs, etc. These programs allow you to get into a home with little to no down payment. Call for information.

Jumbo Home Mortgages

If you need a loan over $484,350, we can assist you with a jumbo loan. You can get a Jumbo loan up to 95% of the purchase price. You can get a cash out jumbo loan up to 95% of the appraised value up to 1.5 million with maximum cash out of $100,000. Call us for other max cash out options. You can rely on a TCMS loan officer to give you the dedicated and knowledgeable service you deserve, with fast pre-qualifications and a variety of options to meet you’re unique financial needs.

Private Financing

If you don’t fit into the cookie cutter loan, we have investors we work with for non-traditional lending. Give us a call – we still may be able to find financing for you.

Other Options

  • Calhafa and platinum, city assistance
  • Investor financing up to 10 loans or more
  • FHA and VA loans
  • FHA and Conventional rehab loans
  • Manufactured Homes
  • Construction to permanent loans (one loan)
  • Investor stated income
  • Bank statement loans