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