Insignia Mortage

Interested in a Conforming Community or Government Guaranteed Home Loan?

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

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Interested in a Conforming Community or Government Guaranteed Home Loan?

Quick turnaround for all purchase and refinance transactions

Conforming Loans

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 with a single point of contact throughout the transaction.

If you’re looking for a  purchase, rate and term refinance, or a cash-out refi we can assist you. These types of loans are offered at very competitive rates and terms.  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 lending space is highly fluid and relies primarily on automated underwriting for decision-making. Insignia Mortgage’s team of professionals is highly proficient with this technology and can easily navigate these automated systems yielding quicker approval turn times, less paperwork, and smoother closings.

Program Highlights:

  • Loan amounts up to $970,800 in certain counties
  • 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

Community Development Portfolio Loan Program– LA County Only

As Insignia Mortgage continues to build niche lending products, we are excited to introduce a new bank which is expanding its community lending footprint. This product specifically serves low to moderate income areas within Los Angeles County. The program is designed to be very competitive from an interest rate standpoint, and very accommodating from an underwriting standpoint.

The Program Highlights:

  • Ultra-competitive 30-year fixed rate mortgage 
  • Loan amounts up to $750,000
  • Co-signor permitted
  • No mortgage insurance
  • Financing up to 97% loan to value 
  • Gift funds for down payment permitted
  • Credit scores as low as 620
  • Debt to income ratio up to 55%

Veteran Administration (VA) Jumbo Up To $4 Million

Insignia is now offering VA loans up to $4M million dollars with as little as 10% down. This program is competitively priced and offers our Veterans (current and retired) attractive financing in higher-priced communities within California.  Rates and terms are aggressively priced as this program is Government sponsored. 

 While not widely known, there is no maximum loan amount for a VA loans. Therefore, we can now offer this program up to $4M with as little as 10% down.  We are thrilled to help bring this new Veteran’s loan program to market.

Program Highlights:

  • As this is a newer product, please contact us to discuss the options in further detail.
Press Highlights

Loan Experts

DAMON GERMANIDES
DAMON GERMANIDES
Co-founder / Broker Associate
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CHRIS FURIE
CHRIS FURIE
Co-founder / Broker Associate
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NEIL PATEL, CPA
NEIL PATEL, CPA
Licensed CPA & Broker Associate
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Romy Nourafchan
Romy Nourafchan
Broker Associate
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Noah Furie
Noah Furie
Broker Associate & Director of Bridge Loans
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MICHAEL NASSIRZADEH
MICHAEL NASSIRZADEH
Broker Associate and Underwriter
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JEFF EDWARDS
JEFF EDWARDS
Broker Associate
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Patrick McKenna
Patrick McKenna
Broker Associate
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Conforming and Government Guaranteed Mortgage Highlights

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Automated approvals

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

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Non-occupant Co-Borrowers
Welcome

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Close As Quickly
as 14 Days

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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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