Apply Now

Have a strong down payment?

Looking to purchase with a large down payment, a vacation home, or an investment property - this may be the right loan for you!

Mimimum Fico Score

620 min FICO or 640 with MI
*Contact your MI company for details

Down Payment

3% minimum


Primary residence, 2nd home, & investment properties


No mortgage insurance with 20% down *
100% gift funds allowed
Up to 9% seller contribution

Explore Other Loan Programs

This communication is for informational purposes only, this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact Preferred Rate's Brentwood Team to learn more about mortgage products and your eligibility.

* Disclosures





Thank you Frontliners

Are you a Qualified California Hero?

No Lender Fees For Qualified California Heroes


If you are a Hero in the state of California - you are eligible to use our loan program and pay zero in lender fees! You will need to meet the job title requirements. Some of these titles include: police officers, firefighters, paramedics, doctors, and teachers.

Stop clock Pre-qualification can take as little as 15 minutes.

Let us help