We offer a wide range of loan programs including FHA, VA, Conventional, Jumbo, and Reverse Mortgages. We also specialize in more flexible solutions like Bank Statement Loans, DSCR, Profit & Loss Loans, and Airbnb Rental Loans for self-employed or investment-focused borrowers.

Yes! At PICO Mortgage, we offer Bank Statement and Profit & Loss Loans specifically designed for self-employed individuals or business owners who may not qualify through traditional income verification. We make it easier to secure financing based on your real financial picture.

A DSCR (Debt Service Coverage Ratio) loan is ideal for real estate investors and rental property buyers. It’s based on the property’s income potential rather than your personal income, making it a great option for growing your investment portfolio — even with multiple properties.

Absolutely! We work with first-time homebuyers to simplify the mortgage process and help them access Down Payment Assistance (DPA) programs and Community Seconds to reduce out-of-pocket costs. Our team will guide you every step of the way.

Yes, we offer both cash-out refinance and Home Equity Lines of Credit (HELOCs) to help you tap into your home’s equity. These options can be used for home improvements, debt consolidation, or investing in additional properties — even short-term rentals like Airbnb.

A One-Time Close Construction loan allows you to finance both the construction of your new home and the permanent mortgage in a single loan — with one application, one set of closing costs, and no need to requalify after the build. It’s a great way to simplify custom home building.

Yes, we offer specialized Airbnb Rental Loans that allow you to qualify based on projected short-term rental income. These are perfect for investors looking to finance vacation rentals without relying on traditional employment income.

We offer several low down payment options including FHA Loans, Down Payment Assistance (DPA) programs, and Community Seconds. These programs are especially helpful for first-time buyers or those with limited savings, helping you get into a home with as little as 3.5% down.