Key benefits
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Down payment as low as 3.5%
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Credit scores accepted from 580+
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Higher debt-to-income allowances than conventional
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Gift funds accepted for down payment and closing costs
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FHA streamline refinance available once you close
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203k renovation financing available under FHA umbrella
All loans originated through Centek Capital Group | DRE #01219983 | NMLS #275995
Who this is for
For loan amounts above conventional conforming limits — the reality for most Los Angeles buyers. Jumbo financing requires lender relationships and underwriting expertise that most brokers simply don't have. Ben navigates this space daily.
Exclusive Loan Program
FHA Loans
Government-backed and designed to make homeownership accessible. FHA isn't a fallback — it's the strategically correct tool for buyers who are building credit, have limited down payment savings, or carry higher debt-to-income ratios.
First-Time Buyers · Credit Rebuilding