Conventional (FNMA / FHLMC)
Holiday Mortgage (Youngs Real Estate, Inc.) • California • By Appointment Only
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Conventional (FNMA/FHLMC)
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DSCR
Apartment Complex
Manufactured Homes
Quick list: VA • FHA • Conventional (FNMA/FHLMC) • USDA • Down Payment Assistance • Forgivable Grants • CalHFA • CalVET • Jumbo / Super Jumbo • SBA • Agricultural • Commercial • Hard Money • DSCR • Apartment Complex • Manufactured Homes
At a glance
- Best for: conventional financing with broad options (primary/second/investment—rules vary).
- Down payment: varies by program and profile.
- Affordability: some programs have income limits/education.
Reminder: Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.
Basic qualifications (typical)
- Meet lender/agency credit and income requirements.
- Down payment and reserves vary by occupancy and property type.
- Property must meet appraisal/underwriting requirements.
Property types that may work
- Primary residences
- Second homes (guidelines vary)
- Investment properties (guidelines vary)
- Some 2–4 unit properties (guidelines vary)
Typical documentation checklist
- Photo ID
- Income documentation (paystubs, W-2s, tax returns depending on income type)
- Asset documentation (bank statements; source of funds for down payment/closing costs)
- Property documentation (purchase contract if buying; insurance quote)
- Credit authorization and explanations if needed
- Program-specific items (below)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Homebuyer education may be required for certain programs.
- Gift documentation may be required if using gift funds.
- Self-employed borrowers often need tax returns and business documentation.
Helpful links: Fannie Mae HomeReady (example)
Questions? Call (530) 238-5739 or email [email protected].
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