{"id":382,"date":"2026-05-20T21:24:36","date_gmt":"2026-05-21T04:24:36","guid":{"rendered":"https:\/\/arclightmedia.com\/dev\/ec\/?page_id=382"},"modified":"2026-06-04T23:16:31","modified_gmt":"2026-06-05T06:16:31","slug":"mortgage-loan-programs","status":"publish","type":"page","link":"https:\/\/homeloansbyemma.com\/es\/mortgage-loan-programs\/","title":{"rendered":"Mortgage Loan Programs"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"382\" class=\"elementor elementor-382\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7055c6 e-con-full e-flex e-con e-parent\" data-id=\"c7055c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e80f9ec elementor-widget elementor-widget-template\" data-id=\"e80f9ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<header data-elementor-type=\"header\" data-elementor-id=\"16\" class=\"elementor elementor-16\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-19ee518 e-flex e-con-boxed e-con e-parent\" data-id=\"19ee518\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45a6899 e-con-full e-flex e-con e-child\" data-id=\"45a6899\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1643660 elementor-widget elementor-widget-image\" data-id=\"1643660\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"367\" height=\"173\" 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href=\"https:\/\/homeloansbyemma.com\/es\/\" class=\"elementor-item\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-241\"><a href=\"https:\/\/homeloansbyemma.com\/es\/buying-a-home\/\" class=\"elementor-item\">Comprar una casa<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-240\"><a href=\"https:\/\/homeloansbyemma.com\/es\/refinancing\/\" class=\"elementor-item\">Refinanciaci\u00f3n<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-242\"><a href=\"https:\/\/homeloansbyemma.com\/es\/learn-the-process\/\" class=\"elementor-item\">Aprende el proceso<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-167\"><a href=\"https:\/\/homeloansbyemma.com\/es\/about-emma\/\" class=\"elementor-item\">About Emma<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-212\"><a href=\"https:\/\/homeloansbyemma.com\/es\/blog\/\" class=\"elementor-item\">Blog<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-381\"><a href=\"https:\/\/homeloansbyemma.com\/es\/resources\/\" class=\"elementor-item\">Resources<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-418\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-basics\/\" class=\"elementor-sub-item\">Mortgage Basics<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-372\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-calculator\/\" class=\"elementor-sub-item\">Mortgage Calculator<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-419\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-loan-programs\/\" class=\"elementor-sub-item\">Mortgage Loan Programs<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-524\"><a href=\"https:\/\/homeloansbyemma.com\/es\/conventional-home-loans\/\" class=\"elementor-sub-item\">Conventional Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-523\"><a href=\"https:\/\/homeloansbyemma.com\/es\/fha-home-loans\/\" class=\"elementor-sub-item\">FHA Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-522\"><a href=\"https:\/\/homeloansbyemma.com\/es\/va-home-loans\/\" class=\"elementor-sub-item\">VA Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-521\"><a href=\"https:\/\/homeloansbyemma.com\/es\/jumbo-loans\/\" class=\"elementor-sub-item\">Jumbo Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-520\"><a href=\"https:\/\/homeloansbyemma.com\/es\/non-qm-itin\/\" class=\"elementor-sub-item\">Non-QM: ITIN<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-519\"><a href=\"https:\/\/homeloansbyemma.com\/es\/bank-statement-mortgage-loan\/\" class=\"elementor-sub-item\">Bank Statement Mortgage Loan<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-518\"><a href=\"https:\/\/homeloansbyemma.com\/es\/pl-mortgage-loan\/\" class=\"elementor-sub-item\">P&amp;L Mortgage Loan<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-517\"><a href=\"https:\/\/homeloansbyemma.com\/es\/dscr-mortgage-loan\/\" class=\"elementor-sub-item\">DSCR Mortgage Loan<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-553\"><a target=\"_blank\" href=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/First-Time-Homebuyer-Guide.pdf\" class=\"elementor-sub-item\">First-Time Homebuyer Guide<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-554\"><a target=\"_blank\" href=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/Pre-Approval-Document-Checklist.pdf\" class=\"elementor-sub-item\">Pre-Approval Document Checklist<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-534\"><a href=\"https:\/\/homeloansbyemma.com\/es\/protect-your-pre-approval\/\" class=\"elementor-sub-item\">Protect Your Pre-Approval<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-417\"><a href=\"https:\/\/homeloansbyemma.com\/es\/faq\/\" class=\"elementor-sub-item\">FAQ<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-250\"><a href=\"https:\/\/homeloansbyemma.com\/es\/contact\/\" class=\"elementor-item\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewbox=\"0 0 1000 1000\" 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elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-b365a77\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-20\"><a href=\"https:\/\/homeloansbyemma.com\/es\/\" class=\"elementor-item\" tabindex=\"-1\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-241\"><a href=\"https:\/\/homeloansbyemma.com\/es\/buying-a-home\/\" class=\"elementor-item\" tabindex=\"-1\">Comprar una casa<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-240\"><a href=\"https:\/\/homeloansbyemma.com\/es\/refinancing\/\" class=\"elementor-item\" tabindex=\"-1\">Refinanciaci\u00f3n<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-242\"><a href=\"https:\/\/homeloansbyemma.com\/es\/learn-the-process\/\" class=\"elementor-item\" tabindex=\"-1\">Aprende el proceso<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-167\"><a href=\"https:\/\/homeloansbyemma.com\/es\/about-emma\/\" class=\"elementor-item\" tabindex=\"-1\">About Emma<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-212\"><a href=\"https:\/\/homeloansbyemma.com\/es\/blog\/\" class=\"elementor-item\" tabindex=\"-1\">Blog<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-381\"><a href=\"https:\/\/homeloansbyemma.com\/es\/resources\/\" class=\"elementor-item\" tabindex=\"-1\">Resources<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-418\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-basics\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Mortgage Basics<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-372\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-calculator\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Mortgage Calculator<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-419\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-loan-programs\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Mortgage Loan Programs<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-524\"><a href=\"https:\/\/homeloansbyemma.com\/es\/conventional-home-loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Conventional Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-523\"><a href=\"https:\/\/homeloansbyemma.com\/es\/fha-home-loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">FHA Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-522\"><a href=\"https:\/\/homeloansbyemma.com\/es\/va-home-loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">VA Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-521\"><a href=\"https:\/\/homeloansbyemma.com\/es\/jumbo-loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Jumbo Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-520\"><a href=\"https:\/\/homeloansbyemma.com\/es\/non-qm-itin\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Non-QM: ITIN<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-519\"><a href=\"https:\/\/homeloansbyemma.com\/es\/bank-statement-mortgage-loan\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Bank Statement Mortgage Loan<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-518\"><a href=\"https:\/\/homeloansbyemma.com\/es\/pl-mortgage-loan\/\" class=\"elementor-sub-item\" tabindex=\"-1\">P&amp;L Mortgage Loan<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-517\"><a href=\"https:\/\/homeloansbyemma.com\/es\/dscr-mortgage-loan\/\" class=\"elementor-sub-item\" tabindex=\"-1\">DSCR Mortgage Loan<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-553\"><a target=\"_blank\" href=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/First-Time-Homebuyer-Guide.pdf\" class=\"elementor-sub-item\" tabindex=\"-1\">First-Time Homebuyer Guide<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-554\"><a target=\"_blank\" href=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/Pre-Approval-Document-Checklist.pdf\" class=\"elementor-sub-item\" tabindex=\"-1\">Pre-Approval Document Checklist<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-534\"><a href=\"https:\/\/homeloansbyemma.com\/es\/protect-your-pre-approval\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Protect Your Pre-Approval<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-417\"><a href=\"https:\/\/homeloansbyemma.com\/es\/faq\/\" class=\"elementor-sub-item\" tabindex=\"-1\">FAQ<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-250\"><a href=\"https:\/\/homeloansbyemma.com\/es\/contact\/\" class=\"elementor-item\" tabindex=\"-1\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/header>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c505ec e-flex e-con-boxed e-con e-parent\" data-id=\"8c505ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ef0e75d e-con-full e-flex e-con e-child\" data-id=\"ef0e75d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ca42ae elementor-widget elementor-widget-heading\" data-id=\"5ca42ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgage Loan Programs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b17c77b elementor-widget elementor-widget-text-editor\" data-id=\"b17c77b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><img decoding=\"async\" class=\"alignright size-full wp-image-384\" src=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/loan-programs.png\" alt=\"\" width=\"400\" height=\"304\" srcset=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/loan-programs.png 400w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/loan-programs-300x228.png 300w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/loan-programs-16x12.png 16w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we&#8217;re here to help you choose the best type of home loan for your needs.\u00a0 Some of the programs are:<\/p><ul><li><a href=\"https:\/\/homeloansbyemma.com\/es\/conventional-home-loans\/\">Conventional Loans<\/a><\/li><li><a href=\"https:\/\/homeloansbyemma.com\/es\/fha-home-loans\/\">FHA Home Loans<\/a><\/li><li><a href=\"https:\/\/homeloansbyemma.com\/es\/va-home-loans\/\">VA Loans<\/a><\/li><li><a href=\"https:\/\/homeloansbyemma.com\/es\/jumbo-loans\/\">Jumbo Loans<\/a><\/li><li><a href=\"https:\/\/homeloansbyemma.com\/es\/non-qm-itin\/\">Non-QM: ITIN<\/a><\/li><li><a href=\"https:\/\/homeloansbyemma.com\/es\/bank-statement-mortgage-loan\/\">Bank Statement<\/a><\/li><li><a href=\"https:\/\/homeloansbyemma.com\/es\/pl-mortgage-loan\/\">P&amp;L<\/a><\/li><li><a href=\"https:\/\/homeloansbyemma.com\/es\/dscr-mortgage-loan\/\">DSCR<\/a><\/li><li>and more!<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa26a7c elementor-widget elementor-widget-text-editor\" data-id=\"fa26a7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We bring the goods with lots of loan products, ultimate support, top-class service &amp; real speed to bring it all home. How much down do you really need? Here are the differences between some of the most common down payment choices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff458c8 e-flex e-con-boxed e-con e-parent\" data-id=\"ff458c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-068679f e-con-full e-flex e-con e-child\" data-id=\"068679f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53ac047 elementor-widget elementor-widget-text-editor\" data-id=\"53ac047\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>VA<\/strong><\/p><ul><li>0% down payment<\/li><li>Open to current &amp; former Military families<\/li><li>No monthly mortgage insurance<\/li><\/ul><p><strong>USDA<\/strong><\/p><ul><li>0% down payment<\/li><li>Only applies to designated rural areas<\/li><li>Low monthly USDA\u00a0 guaranteed fee<\/li><\/ul><p><strong>Conventional<\/strong><\/p><ul><li>3%-5% down, requires monthly Mortgage Insurance<\/li><li>20% down, avoid monthly Mortgage Insurance<\/li><li>A larger down payment may result in a lower interest rate &amp; more flexible qualifying criteria<\/li><li>Finance 2-4 unit properties with 5% down options<\/li><\/ul><p><strong>FHA<\/strong><\/p><ul><li>3.5% down<\/li><li>No first-time homebuyer requirement<\/li><li>Allows non-occupying co-borrowers<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e5d5eb e-con-full e-flex e-con e-child\" data-id=\"5e5d5eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8860a97 elementor-widget elementor-widget-text-editor\" data-id=\"8860a97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Down payment assistance Programs: <\/strong><\/p><ul><li><strong>CalHFA<\/strong> &#8211; 3% and 3.5% down payment assistance options. Credit scores as low as 640.<\/li><li><strong>GSFA<\/strong> &#8211; Golden State Finance Agency is perfect for Santa Barbara &amp; San Luis Obispo County employees and select occupations (teachers, law enforcement, firefighters &amp; others)<\/li><li><strong>Coastal Housing Partnership<\/strong><\/li><li>Other National, state, and local down payment assistant programs available.<\/li><li>First-time homebuyer requirement and education course may apply<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f74257 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2f74257\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/homeloansbyemma.com\/es\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact me today to determine your eligibility!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41a92c1 elementor-widget elementor-widget-image\" data-id=\"41a92c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"316\" height=\"317\" src=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/emma-circle.png\" class=\"attachment-large size-large wp-image-539\" alt=\"\" srcset=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/emma-circle.png 316w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/emma-circle-300x300.png 300w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/emma-circle-150x150.png 150w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/emma-circle-12x12.png 12w\" sizes=\"(max-width: 316px) 100vw, 316px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75497a5 e-con-full e-flex e-con e-parent\" data-id=\"75497a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;opacity-tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 2600 131.1\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a8ccce elementor-widget elementor-widget-spacer\" data-id=\"2a8ccce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f02fbca elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"f02fbca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7e6ee8 elementor-widget elementor-widget-text-editor\" data-id=\"e7e6ee8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 class=\"mb-4\" style=\"color: #ffffff; text-align: right;\"><a href=\"https:\/\/emmacavazos.my1003app.com\/?time=1778083523626\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-127 size-medium\" src=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-300x300.png 300w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-150x150.png 150w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp.png 534w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>La hago simple<\/h1><p style=\"text-align: right;\">Nuestra aplicaci\u00f3n interactiva le gu\u00eda a trav\u00e9s de las diversas etapas del proceso de compra de una vivienda y de su financiamiento hipotecario. La aplicaci\u00f3n ayuda a mantenerle a usted, a su asesor de pr\u00e9stamos y a su agente inmobiliario conectados y sincronizados entre s\u00ed. Nos permite a todos trabajar en conjunto para hacer que el proceso sea fluido y sencillo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0e247c elementor-widget elementor-widget-button\" data-id=\"e0e247c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/emmacavazos.my1003app.com\/?time=1778083523626\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4bdf536 elementor-hidden-desktop elementor-hidden-tablet e-flex e-con-boxed e-con e-parent\" data-id=\"4bdf536\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42148bc elementor-widget elementor-widget-image\" data-id=\"42148bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-300x300.png\" class=\"attachment-medium size-medium wp-image-127\" alt=\"\" srcset=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-300x300.png 300w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-150x150.png 150w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp.png 534w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b05e1f7 elementor-widget elementor-widget-text-editor\" data-id=\"b05e1f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 class=\"mb-4\" style=\"color: #ffffff; text-align: center;\">La hago simple<\/h1><p style=\"text-align: center;\">Nuestra aplicaci\u00f3n interactiva le gu\u00eda a trav\u00e9s de las diversas etapas del proceso de compra de una vivienda y de su financiamiento hipotecario. La aplicaci\u00f3n ayuda a mantenerle a usted, a su asesor de pr\u00e9stamos y a su agente inmobiliario conectados y sincronizados entre s\u00ed. Nos permite a todos trabajar en conjunto para hacer que el proceso sea fluido y sencillo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab2d348 elementor-widget elementor-widget-button\" data-id=\"ab2d348\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/emmacavazos.my1003app.com\/?time=1778083523626\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e5658ef e-flex e-con-boxed e-con e-parent\" data-id=\"e5658ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;opacity-tilt&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 2600 131.1\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f10986 elementor-widget elementor-widget-spacer\" data-id=\"9f10986\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Mortgage Loan Programs There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we&#8217;re here to help you choose the best type of home loan for your needs.\u00a0 Some of the programs are: Conventional Loans FHA Home Loans VA Loans Jumbo Loans [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"off","ocean_display_header":"off","ocean_header_style":"custom","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"on","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-382","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/homeloansbyemma.com\/es\/wp-json\/wp\/v2\/pages\/382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/homeloansbyemma.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/homeloansbyemma.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/homeloansbyemma.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/homeloansbyemma.com\/es\/wp-json\/wp\/v2\/comments?post=382"}],"version-history":[{"count":46,"href":"https:\/\/homeloansbyemma.com\/es\/wp-json\/wp\/v2\/pages\/382\/revisions"}],"predecessor-version":[{"id":637,"href":"https:\/\/homeloansbyemma.com\/es\/wp-json\/wp\/v2\/pages\/382\/revisions\/637"}],"wp:attachment":[{"href":"https:\/\/homeloansbyemma.com\/es\/wp-json\/wp\/v2\/media?parent=382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}