Sai Mortgage Loans: Unlock Your Home Dreams
Expert mortgage solutions and financing strategies for your first home or next big investment.
Sai Mortgage Loans is a part of the Sai Advisory Group, built on the core principles of Service, Assurance, and Integrity. As a licensed Mortgage Loan Originator (NMLS #2783032) affiliated with Loan Factory, Inc. (NMLS #320841), I provide my clients with a strategic advantage through an unparalleled network of over 200 lenders. This robust partnership grants you access to a vast array of specialized loan programs—ranging from conventional and government-backed options to complex Non-QM and commercial financing solutions tailored to your unique goals.
I use this powerful reach to custom-tailor the perfect solution for your unique financial goals, ensuring you receive the competitive edge and expert guidance you deserve every step of the way.
Call Us: 925.268.8825
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Traditional/Government-Backed Loans
- Conventional Loans: Standard conforming loans (primary option for most borrowers).
- FHA Loans: Government-insured loans with low down payment requirements.
- VA Loans: Zero down payment loans for eligible service members, veterans, and surviving spouses.
- USDA Loans: Zero down payment loans for properties in designated rural and suburban areas.
Loan Structures & Features
- Fixed-Rate Mortgages: Interest rate and monthly payment remain the same for the life of the loan (e.g., 30-year or 15-year fixed)
- Adjustable-Rate Mortgages (ARM): Loans where the interest rate can change after an initial fixed period (e.g., 5/1 ARM, 7/1 ARM).
- Interest-Only Loans: A payment structure where the borrower pays only the interest for a set period.
Specialized/Non-QM Loans:
- Non-QM (Non-Qualified Mortgage) Loans: A broad category for borrowers who don’t fit conventional guidelines, including:
- Bank Statement Loans: For self-employed individuals to qualify using bank deposits instead of tax returns.
- DSCR Loans: For real estate investors based on the property’s rental income.
- ITIN Loans: For borrowers who have an Individual Taxpayer Identification Number instead of an SSN.
- Foreign National Loans: For non-U.S. citizens purchasing U.S. property.
- Jumbo Loans: Mortgages that exceed the conforming loan limits set by the FHFA/Fannie Mae/Freddie Mac.
Special Purpose & Commercial Loans:
- Commercial Loans: For business real estate acquisition or refinancing (subject to individual MLO state licensing).
- SBA Loans: Government-guaranteed loans for small businesses (e.g., 7(a) and 504 programs).
- Construction Loans: Financing for building a new home.
Equity & Refinancing Products
- Home Equity Lines of Credit (HELOC): Revolving credit lines based on existing home equity.
- Home Equity Loans: Second mortgages providing a lump sum of cash.
- Reverse Mortgages: Loans for homeowners 62 and older, typically using home equity as collateral.
- Down Payment Assistance (DPA) Programs:
- Various state, local, and proprietary programs to help with closing costs and down payments.
Find out your eligibility now. Our tool can assess your options based on the information you provide, without requiring an SSN, credit pull, or any commitment. Simply input your details to start planning your next move.
Don’t miss out on your perfect rate. Sign up for a personalized rate alert and we’ll monitor the market for you. Provide your property address and email, and we’ll notify you instantly when rates drop or match your goal.
Get in touch
If you have questions about your unique lending needs or are ready to explore your financing options, please don’t hesitate to reach out. We are here to provide the expert guidance you deserve and will respond to your inquiry promptly
Contact: Narayana Rao Surapaneni
info@sailoans.com
Call Us: 925.268.8825
Narayana Rao Surapaneni, NMLS #2783032 | LoanFactory, Inc., NMLS #320841. Licensing: CA-DFPI2783032; AZ #LO-2013458; FL #LO143165; NC #I-232873; CO License #100544033 Regulated by the Colorado Division of Real Estate; and TX SML Mortgage Loan Originator. Research my professional background at NMLS Consumer Access. Texas Residents: CONSUMER COMPLAINT & RECOVERY FUND NOTICE. Corporate Office: 2195 Tully Road, San Jose, CA 95122. Disclaimer: Not a commitment to lend. Loans subject to credit approval. Rates/programs subject to change without notice. All logos are property of their respective owners. General Disclosure: Professional services in Tax, Insurance, and Real Estate are pending final licensure. Information provided for pending services is for educational purposes only and does not constitute professional advice. Regulated acts for Tax, Insurance, and Real Estate will not be performed until final licensure is secured.