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
Conventional
Primary Residences 
and Investor Non Owner Occupied
Maximum loan amounts and loan to values for FHA, VA, USDA and Conventional loans for 2022
Maximum allowed sales concessions for FHA, VA, USDA and Conventional loans for 2022