Residential Mortgages Tailored for California Homebuyers
FRMI originates conventional, FHA, VA, and jumbo loans with terms from 10–30 years, designed specifically for California's unique real estate market.
California Focused
Our Residential Loan Options
Choose from our comprehensive range of residential mortgage products designed for California homebuyers
- • 5-20% down payment
- • Fixed or adjustable rates
- • 15-30 year terms
- • No PMI with 20% down
- • 3.5% down payment
- • Lower credit requirements
- • Government insured
- • Flexible qualification
- • 0% down payment
- • No PMI required
- • Competitive rates
- • Flexible qualification
- • Higher loan amounts
- • Competitive rates
- • Flexible terms
- • California market expertise
Our Simple Loan Process
From application to closing, we guide you through every step with transparency and expertise
Pre-Approval
Get pre-approved to understand your budget and strengthen your offer
Documentation
We help you gather all necessary documents for a smooth process
Underwriting
Our team reviews your application and processes your loan
Closing
Sign your documents and get the keys to your new home
Why Choose FRMI for Your Home Loan?
California Market Expertise
Deep understanding of California's unique real estate market and regulations
Fast Processing
Streamlined process with average closing times faster than industry standards
Competitive Rates
Access to competitive rates and terms from our network of lenders
Personalized Service
Dedicated loan officer who guides you through every step of the process
Ready to Get Started?
Take the first step towards homeownership with our easy pre-approval process.
Ready to Get Pre-Approved?
Start your home buying journey with our expert mortgage lending services