Mortgage Solutions
Designed Around You
We understand that every homebuyer’s journey is different. That’s why we take a personalized approach to helping individuals and families throughout Southern California find the right loan for their goals, lifestyle, and future.
Whether you’re purchasing your first home, refinancing, or exploring your options, our team is here to guide you every step of the way with clear communication and trusted support.
LOAN PROGRAMS
Popular option. Flexible terms.
Conventional Loans follow standard lending guidelines and offer flexible terms, making them a popular option for qualified borrowers seeking competitive rates and customizable financing.
Low down payment. Easier approval.
FHA Loans are government-backed programs that allow for lower down payments and easier qualifications, making homeownership accessible to first-time buyers and those with limited savings.
Conventional Loans
FHA Loan
Large loans. Higher limits.
Jumbo Loans are designed for higher-priced homes that exceed conventional limits, providing flexible financing solutions for buyers purchasing in more expensive markets.
Jumbo Loans
USDA Loan
Zero down. Rural homes.
USDA Loans feature zero down payment options for eligible rural and suburban buyers, helping more households achieve homeownership with affordable financing.
Consistent rate. Predictable payments.
Fixed Rate Mortgages provide long-term stability with a consistent interest rate and predictable monthly payments, ideal for homeowners who plan to stay in their home for many years.
Flexible rates. Potential savings.
Adjustable Rate Mortgages (ARMs) offer lower initial interest rates that adjust over time, making them a smart choice for buyers who expect to move or refinance within a few years.
Real estate focused. Flexible qualification.
DSCR Loans allow real estate investors to qualify based on a property’s rental income rather than personal income, offering a flexible solution for growing an investment portfolio.
DSCR LOAN
Reverse Mortgage
Convert equity. No payments.
Reverse Mortgages allow homeowners age 62 and older to convert home equity into cash, providing financial flexibility without monthly mortgage payments.
Veteran benefit. No down payment.
VA Loans are exclusive to veterans and active-duty military members, offering no down payment, flexible qualifications, and additional savings compared to traditional loan programs.
VA Loan
ASSET DEPLETION
Use your assets to qualify.
Asset Depletion Loans allow qualified borrowers to use eligible savings, investments, and other assets in place of traditional income documentation when applying for a mortgage.
P&L LOAN
BANK STATEMENT LOAN
Vacation home. Flexible options.
Second Home Loans offer financing for vacation homes or seasonal getaways, providing flexible options to fit different budgets and lifestyles.
Second Home Loan
INVESTOR LOANS
Built for growing portfolios.
Investor Loans provide flexible financing options for purchasing rental and investment properties, helping buyers expand their real estate opportunities with confidence.
Financing for independent professionals.
1099 Loans are designed for independent contractors and self-employed professionals who want to qualify for a mortgage using 1099 income documentation.
1099 LOAN
Renovation Loan
Finance upgrades. Simple process.
Renovation Loans allow borrowers to finance home improvements and repairs as part of their mortgage, making it easier to upgrade or customize a property.
Adjustable Rate Mortgage
Fixed Rate Mortgage
Home Equity Line of Credit (HELOC)
Investment Property Loan
Access equity. Revolving credit.
A Home Equity Line of Credit (HELOC) gives homeowners access to revolving credit based on their home’s equity, offering flexible funds for major expenses or projects.
Rental purchase. Refinance options.
Investment Property Loans are designed for purchasing or refinancing rental homes, offering financing options that support income-generating real estate investments.
Alternative income verification.
Bank Statement Loans allow self-employed borrowers to qualify using personal or business bank statements rather than W-2s or tax returns.
Designed for self-employed borrowers.
P&L Loans help self-employed borrowers qualify using profit and loss statements instead of traditional tax returns, creating a more flexible path to home financing.
Ready to Take the Next Step?
Whether you’re ready to buy now or simply exploring your options, Silva Team is here to help you move forward with confidence.
Serving Homebuyers Across
Southern California
As a family-led team and division of Golden Empire Mortgage, Inc., Silva Team is committed to making the mortgage process feel simple, personal, and approachable.
