Insignia Mortage

Interested in a Conforming or Government Guaranteed home loan?

An expert will call you back when it’s convenient for you.

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Conforming & Government Loans

Quick turnaround for all buyers and refinances

Insignia Mortgage brings unique underwriting acumen to the residential conforming (Fannie Mae and Freddie Mac) and government (FHA and VA) lending market. We can quickly analyze and source these more traditional 15- and 30-year fixed-rate mortgages while providing borrowers a single point of contact.

Whether you are a first-time homebuyer or seasoned real estate investor, Insignia’s team of mortgage professionals will guide you seamlessly through the process and facilitate a quick close. We can assist if you’re just looking for a rate, term refinance, or a cash-out refi.

As a broker, Insignia Mortgage has long-standing relationships with several local California banks, credit unions, as well as national mortgage banks that price these conforming and government loans very competitively. Often, we can help package these loans to avoid substantial out of pocket closing costs.

Typically, these programs are designed around primary or second home transactions, however, there are some interesting programs for investment properties as well. These specific loans will never come with a prepayment penalty.

The conforming and government lending space is highly fluid and relies primarily on automated underwriting for decision making. Insignia Mortgage’s team of professionals is highly proficient with technology and can easily navigate these automated systems yielding quicker approval turn times, less paperwork, and smoother closings.

Our goal with all borrowers is to complete our proper due diligence upfront, greatly speeding up the disclosure, submission, and approval process.

Program Highlights

  • Loan amounts up to $765,600 in certain counties
  • Rates are most competitive on 15- and 30-year loan programs
  • Co-signor permitted
  • Financing up to 97% loan to value with mortgage insurance
  • Gift funds for down payment permitted
  • No closing cost options available
  • Credit scores as low as 620
  • Prepayment penalties are prohibited
  • Debt-to-income ratios up to 50%
  • As little as 2 months post-closing reserves
  • Call for FHA or VA rates and terms
30-year Fixed Loans 1
15-year Fixed Loans 1
6.500% | 6.597%
5.500% | 5.655%
Loans Up to $970,800 in certain zip codes
Call for FHA or VA quotes.
Press Highlights

Conforming and Government Guaranteed Mortgage Highlights


Automated approvals


Up to 97% Loan-To-Value
With Mortgage Insurance


Non-occupant Co-Borrowers


Close As Quickly
as 14 Days


Transaction Spotlight

We helped a two-income family purchase $956,250 primary residence purchase with a loan of 80% of the purchase price. One of the borrowers was self-employed. The family was looking for a very competitive 30-year fixed-rate mortgage interest rate and needed to close in under 30 days.

  • $765,000 loan amount
  • 30-year fixed-rate mortgage
  • 3.000% 3.123% APR
  • First-time home buyers
  • Closed in Under 21 Days
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