More Ways to Qualify. More Ways to Move Forward.
Think you need 20% down to buy a home? Not when you work with Insignia. With over a decade of experience in FHA, VA, and community lending programs, including options for buyers in majority-minority census tracts (MMCT), we make homeownership more accessible and affordable for qualified borrowers.
30 Year
Term
10.000%
Interest Rate
10.120%
APR
We Put Homeownership Within Reach
Many buyers assume they’ll need a massive down payment or a perfect financial profile to qualify for a mortgage.
The reality? FHA loans allow as little as 3.5% down, and VA loans offer zero-down options for eligible buyers. Insignia also helps qualified borrowers access specialized community lending programs that offer reduced down payments, expanded eligibility in MMCT areas, and competitive fixed rates that aren’t available through most lenders.
Whether you’re buying your first home or refinancing, we’ll help you choose the loan structure that fits your goals and long-term plans.
Conforming & Government Loans
Explore conforming (Fannie Mae and Freddie Mac) and government-backed (FHA and VA) loans with support from Insignia’s experienced processing and underwriting team.
Our veteran team ensures you get access to traditional 15- and 30-year fixed-rate mortgages with the convenience of a single point of contact from start to finish. As brokers with access to multiple lenders, you’re assured highly competitive rates and terms.
Whether you’re eyeing a new purchase, a rate-and- term refinance, or a cash-out refi, we’re here to guide you. Our loans come with competitive rates and terms, tailored for primary residences, second homes, and even some investment properties—without the worry of prepayment penalties.
30 Year
Term
5.500%
Interest Rate
5.591%
APR
Community Lending Programs
Insignia helps buyers access special financing with reduced down payments through community-focused lending programs. These include options available in MMCT tracts across Ventura, Los Angeles, and San Diego counties.
Competitive Rates:
30-year fixed-rate mortgages with pricing advantages tied to qualifying census tracts.
Generous Loan Amounts:
Up to $1,209,750, tailored to the census tract.
Inclusive Financing:
Stated income options up to 80% LTV, no mortgage insurance required, and financing up to 100% LTV.
Flexible Qualifications:
Co-signers welcome, gift funds accepted, and debt-to-income ratios up to 55%.
30 Year
Term
5.875%
Interest Rate
5.968%
APR
The Support You Need to Close With Confidence
Insignia Mortgage is not just a broker; we’re your partner in achieving homeownership. With our tailored solutions, expert guidance, and commitment to service, we make the mortgage process straightforward and stress-free. Connect with us to explore community, FHA, VA, or conforming loan options that can move you forward.
Case Study: 100% Financing for First-Time Buyers in Los Angeles
The Situation
A two-income family wanted to purchase a $750,000 primary residence but preferred to conserve cash for savings and renovations. One borrower was self-employed, which made qualifying for a conventional loan more challenging. They also needed to close quickly and lock in a competitive 30-year fixed rate.
The Solution
Insignia Mortgage identified a community bank offering a program for buyers in designated census tracts that provided up to 100% financing. We structured the loan to meet the program’s unique criteria and secured a zero-point loan with no upfront or monthly mortgage insurance—delivering both speed and value.
The Results
Proven Experience Behind Every Loan
Insignia’s community lending team is led by Scott Sealey, a veteran broker with more than 30 years of experience and recognition from Scotsman Guide.
Scott is known for making complex situations feel simple and for helping borrowers secure competitive pricing, flexible program structures, and a clear path to closing.
Whether you’re purchasing your first home or refinancing, Scott and the Insignia team ensure you’re presented with every viable lending path—not just the obvious ones.