Let Us Match You with the Best Program for You
We’re here to help you reach your goal and guide you through the complicated world of home financing.
Swiftly Loans Inc. provides clients with access to exceptional conventional loan programs. We ensure competitive rates, innovative tools, and advanced technology, delivering a seamless and worry-free mortgage experience.
Conventional Programs Criteria
- Credit Score: 620+ FICO
- Properties: Primary, second, and investment properties
- Loan Amounts: Up to the county loan limit, with High Balance options for amounts exceeding the limit
- Eligibility: Suitable for purchases, rate/term refinances, and cash-out refinances on primary, second, and investment properties
- Loan-to-Value (LTV): Up to 97% for purchases and rate/term refinances, 80% for primary home cash-out refinances, and 75% for second home and investment property cash-out refinances
- Rate Buydowns: Temporary Rate Buydowns available
Swiftly Loans Inc. Premier Loan Programs
Swiftly Loans Inc. provides clients with access to Premier Loan Programs, an ideal choice for borrowers with good credit who may qualify for better rates.
- Credit Score: 700+ FICO
- Properties: Primary, second, and investment properties
- Loan Amounts: Up to the county loan limit, with High Balance options for amounts exceeding the limit
- Eligibility: Suitable for purchases, rate/term refinances, and cash-out refinances on primary, second, and investment properties
- Loan-to-Value (LTV): Up to 97% for purchases and rate/term refinances, 80% for primary home cash-out refinances, and 75% for second home and investment property cash-out refinances
- Rate Buydowns: Temporary Rate Buydowns available
Products for California's Real Estate
Swiftly Loans Inc. High Balance Loan Programs
Time is crucial for every borrower, and Swiftly Loans Inc. provides access to High Balance Loan Programs, offering competitive rates and quick closings for high balance loans. With loan amounts from $806,500 up to the county loan limit, this program supports LTVs as high as 90% and is available to borrowers with a 620+ FICO score. Here are the counties which have a limits above $806,500 in 2025:
- Los Angeles County: $1,209,750
- San Diego County: $1,077,550
- Orange County: $1,209,750
- Santa Clara County: $1,209,750
- Alameda County: $1,209,750
- San Benito County: $1,209,750
- Contra Costa County: $1,209,750
- San Mateo County: $1,209,750
- San Francisco County: $1,209,750
- Marin County: $1,209,750
- Napa County: $1,017,750
- Sonoma County: $897,000
- Monterey County: $970,600
- Santa Cruz County: $1,178,750
- Luis Obispo County: $967,150
- Ventura County: $1,017,750
- Santa Barbara County: $913,100
For the latest county loan limits, visit the FHFA County Loan Limits website.
