Home Purchase
in Oakhurst

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Few prospects can compete with the excitement of purchasing a home in Oakhurst, CA, just a stone’s throw away from Yosemite National Park. But to purchase the ideal home in Oakhurst or elsewhere in CA smoothly and affordably, you need to find the most suitable mortgage.

These Are the Types of Home Purchase Loans in California We Offer

At Granite West Funding, we want every homebuyer who comes to us to be able to move into their dream home with the ideal loan. To make that possible, we offer a wide spectrum of home purchase loan products.


If you are a qualifying veteran, active duty service member, or surviving spouse, you can apply for a zero down mortgage insured by the US Department of Veterans Affairs (VA). VA loans do not require private mortgage insurance. They incorporate other competitive benefits as well.

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Flexible credit qualifications and affordable rates make FHA loans insured by the Federal Housing Administration (FHA) an attractive choice for first time and repeat homebuyers. Down payments for FHA mortgages start as low as 3.5%.

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A conventional mortgage is also known as a conforming home loan because it conforms to the Fannie Mae and Freddie Mac loan limits. The minimum down payment for a conventional loan can be just 3%.

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Financing needs in excess of the Fannie Mae and Freddie Mac loan limits call for a jumbo loan. This financing product allows you to borrow a higher amount than a conventional mortgage permits.

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Bank Statement

If you do not have a W-2, our bank statement loan program is the alternative you need to obtain a home loan. This lending product is recommended to self-employed borrowers, entrepreneurs, freelancers, and business owners.

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Non QM Options

If you are not eligible for a qualified mortgage, you can apply for one of our non-QM lending products.

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Buy land and build! If you want to build your own home, a construction mortgage makes it possible. We offer One Time Close, FHA, VA, USDA, Conventional, Owner Builder, and SPEC construction loans for owner occupied, 2nd home/vacation, and investment properties.

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What Type of CA Home Purchase Loan Do You Need?

On your own, figuring out what type of mortgage to apply for can raise a lot of questions you may have a hard time answering. Here are some questions you can ask yourself to try and determine what type of home purchase loan may best fit your needs:

What is your current credit score, debt-to-income (DTI) ratio, and cash reserve status? Do you need a loan which includes flexible qualification criteria?

How long will you be living in the house you are purchasing? Do you plan to reside there for a few years, or for a few decades?

Are you purchasing a primary residence, second home, or vacation home? Is it a house or another type of property?

How much money do you have for a down payment?

How much room do you have in your monthly budget for mortgage payments and other expenses associated with owning a home?

Why Choose Us as Your Oakhurst, CA Mortgage Company?

Whether you are a first time or repeat homebuyer, we can help you qualify for a competitive mortgage which is a fit for your individual needs. Here are some additional reasons to work with us:

Our extensive familiarity with both the California housing market and a diverse range of loan scenarios allows us to offer a loan process which is smooth and easy with fast closing.

With our large selection of lending products, we can match you with a home loan that will be a fit for your credit score, income, and short- and long-term plans. Even if you do not have perfect credit or you work in a non-traditional employment situation, we can connect you with a mortgage.

Transparency, communication, and customer service are top priorities for us throughout the lending process. We want you to not only get the flexible and affordable financing you need, but to have an amazing customer experience every step of the way.

Buy a Home in California Today

Oakhurst is an amazing community, and California is an incredible state to call home. Whether you are new to the area or you are upgrading to a new home, we can’t wait to help you purchase your dream property and call you our neighbour. To schedule your free consultation and apply for a home purchase loan in Oakhurst and throughout the state of California now, please call 559-540-2275.

Get Pre-Approved Today!