Desert Empire Mortgage
Scott Simmons
(760) 831-0044 
Scott@DesertEmpireMortgage.com
Loan Programs for   1 - 4 Units
FHA
maximum 96.5% loan to value
3.5% minimum down
one unit must be owner occupied primary residence
VA
100% loan to value, $0 down
loan amounts to $1,000,000 available *
for qualified Veterans and their spouses
one unit must be owner occupied, primary residence
USDA
100% loan to value, $0 down
loan amounts to $766,550 *
one unit only, must be owner occupied, primary residence
* for the following Cities
Conventional
Primary Residences, 
Second Vacation Homes, 
and Investor Non Owner Occupied
Maximum loan amounts and loan to values for FHA, VA, USDA and Conventional loans for 2024
Maximum allowed sales concessions for FHA, VA, USDA and Conventional loans for 2024