Laguna Niguel Loan Programs
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.
Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting or an Interest Only option.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
HARP 2.0 is a refinance option for homeowners that are "underwater," meaning they owe more on their home than their home is worth.
VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low-interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of homeownership.
Credit or Income Challenged Loans
Mortgage Moon welcomes clients who have credit or income challenges. Have you been turned down or only offered a high-interest loan by another lender because of current or past credit or income challenges? We provide loan solutions for borrowers with credit scores as low as 500, or difficult to prove income and can show you how to work toward a future of financial stability.
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