Gary Larkins - Team Larkins
Orange County  Real Estate Specialist

call now

Toll-Free (888) 370-5969
Xcel Lending Loan Programs is Powered By NEXA Lending

Access Loan Programs from 285+ Lending Sources

Explore residential, government, investor, and specialty financing options through Xcel Lending. Find the right mortgage solution for homebuyers, homeowners, and real estate investors.

Residential & Government Loan Programs

Flexible financing solutions for primary residences, first-time buyers, government-backed loans, unique borrower scenarios, and lower-credit-profile options.

Conforming Loans

Standard conventional mortgage solutions with competitive terms for qualified borrowers.

FHA Loans

Popular government-backed financing designed to support lower down payments and flexible guidelines.

VA Loans

Financing options for eligible veterans, active-duty service members, and qualifying military families.

USDA Rural Housing

Government-backed rural housing solutions for eligible properties and qualified buyers.

ITIN Loans

Mortgage options for borrowers using an Individual Taxpayer Identification Number.

DACA Programs

Financing opportunities tailored to qualifying DACA recipients and unique documentation scenarios.

Renovation Loans

Finance home improvements, repairs, or upgrades as part of your mortgage strategy.

Reverse Mortgages

Options for eligible senior homeowners seeking to convert home equity into accessible funds.

Investor & Specialty Loan Programs

Financing options built for investors, self-employed borrowers, nontraditional income scenarios, and clients looking for more advanced loan structures.

DSCR Investor Loans

Debt-service-coverage-ratio financing designed for income-producing investment properties.

Fix & Flip Financing

Short-term capital solutions for property acquisition, renovation, and resale strategies.

Hard Money Loans

Asset-based lending options for time-sensitive transactions and specialized scenarios.

Bank Statement Programs

Alternative documentation financing for self-employed and nontraditional income borrowers.

Bridge Loans

Temporary financing designed to help bridge timing gaps between buying, refinancing, or selling.

Piggyback Financing

Layered loan structures that may help reduce upfront costs or avoid jumbo pricing thresholds.

Why borrowers choose Xcel Lending: Hundreds of lender options, fast approvals, competitive rates, and personalized loan strategies for unique borrower situations.

Location

5753 Santa Ana Canyon Road, Suite G-521
Anaheim Hills, CA 92807
Toll-Free (888) 370-5969
Realtors@teamlarkins.com

DRE# 01978680

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