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FIG HOMES & LOANS

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United States
Los Angeles, CA
FIG HOMES & LOANS

Our goal is to provide home loans while delivering the lowest interest rates and closing costs possible.

We pledge to help borrowers overcome any roadblocks that may arise during the loan process, ensuring a smooth path to homeownership.

08/08/2026

🇺🇸 Why veterans choose FIG Homes & Loans for their VA loan:

We are veteran-owned. We speak your language. We understand your benefit better than anyone.

✓ VA Purchase — $0 down, any price, any county
✓ VA IRRRL Streamline Refi — lower your rate fast
✓ VA Cash-Out Refi — access 100% of your equity
✓ VA Jumbo — $0 down on $1M, $2M, $3M+ homes
✓ VA 2–4 Unit — live in one, rent the rest
✓ VA Construction — build from the ground up
✓ VA Renovation — buy and improve in one loan
✓ VA Condo — we navigate the approval process
✓ VA + Multiple Properties — we map your entire strategy

Your service earned every bit of this. FIG makes sure you use it to the fullest.

Your service earned it. FIG delivers it.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

08/07/2026

🇺🇸 VA vs. Conventional — knowing when each wins makes all the difference.

Choose VA when:
✓ You want $0 down and no PMI
✓ You're buying a primary residence
✓ Your VA rate beats conventional (it usually does)
✓ You have full entitlement available
✓ You want to buy a duplex/triplex/fourplex

Choose Conventional when:
✓ Buying an investment property (VA requires occupancy)
✓ You've maxed VA entitlement but still have remaining
✓ The property doesn't meet VA minimum property requirements
✓ You want to avoid the VA funding fee (if not exempt)
✓ You're buying a second home or vacation property

Smart veterans know BOTH tools — and use the right one at the right time.

FIG advises you on exactly which loan wins for YOUR situation.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

08/06/2026

🏠 Going through a divorce? Your mortgage situation doesn't have to make it harder.

FIG handles divorce-related mortgage transitions with care and discretion:

✓ Refinance a spouse off an existing mortgage
✓ Qualify on a single income — we find the right program
✓ Use divorce decree income (spousal/child support) to qualify
✓ Change of circumstance handled smoothly
✓ Cash-out refi to split equity between both parties
✓ Help buying your own home after settlement

This is a sensitive time. FIG moves efficiently and privately — no judgment, just solutions.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

08/05/2026

🇺🇸 5 VA loan myths that are costing veterans — busted.

❌ MYTH 1: "VA loans take forever to close."
✅ FACT: VA loans close in similar timeframes to conventional — often 21–30 days.

❌ MYTH 2: "Sellers hate VA loans."
✅ FACT: Educated sellers and agents know VA buyers are strong. FIG helps you present a competitive offer.

❌ MYTH 3: "You can only use it once."
✅ FACT: Your VA benefit is reusable — for life.

❌ MYTH 4: "VA is only for primary homes."
✅ FACT: VA can buy duplexes, triplexes & fourplexes — live in one, rent the rest.

❌ MYTH 5: "You need perfect credit."
✅ FACT: Most VA lenders work with scores from 580–620+.

Don't let myths cost you what you've earned.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

08/04/2026

🚒 👩‍🏫 First Responders & Teachers — you give everything to this community. You deserve a home in it.

Special programs available to you:

✓ CalHFA Extra Credit Teacher Home Purchase Program
✓ GSFA Platinum Grant (no repayment)
✓ CalHFA MyHome Assistance
✓ Local city & county hero programs
✓ FHA, VA & Conventional with reduced costs

Eligible: Teachers, Firefighters, Police, EMTs, Nurses & Healthcare Workers

Many of these programs stack — meaning you could combine a grant + a low down payment loan for near-zero out of pocket.

FIG knows every active program in SoCal right now.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

08/03/2026

🇺🇸 VA Renovation Loan — buy it as-is. Make it exactly right. $0 down.

Veterans don't have to settle for move-in-ready only.

With a VA Renovation Loan:
✓ Finance the purchase + renovation in a single VA loan
✓ $0 down payment
✓ Up to $50,000 in renovation costs included
✓ Cosmetic & structural improvements eligible
✓ Great for fixer-uppers in strong SoCal neighborhoods

Why pay top dollar for perfect when you can buy smart and renovate to your standards?

FIG structures VA renovation loans across all of Southern California.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

08/02/2026

🔄 Bankruptcy doesn't mean you can't buy a home — it means you need a plan.

Here are the real waiting periods:

Chapter 7 Bankruptcy:
🇺🇸 VA Loan → 2 years from discharge
🏠 FHA Loan → 2 years from discharge
🏡 Conventional → 4 years from discharge

Chapter 13 Bankruptcy:
🇺🇸 VA → 1 year with trustee approval
🏠 FHA → 1 year with court approval
🏡 Conventional → 2 years from dismissal

During the waiting period:
✓ Rebuild your credit score
✓ Keep balances low
✓ Avoid new negative marks

FIG creates a 12-month mortgage-readiness plan for you — starting today.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

08/01/2026

🇺🇸 Build your SoCal dream home from the ground up — with $0 down.

VA Construction Loans:

✓ $0 down payment — same as a standard VA purchase
✓ One-Time Close: lock your rate at groundbreaking
✓ One set of closing costs — not two
✓ VA guarantee applies during construction AND permanent loan
✓ Works for custom homes, tear-down rebuilds & ADUs

How it works:
1️⃣ Loan closes before construction begins
2️⃣ Funds are released in stages (draws) as building progresses
3️⃣ Upon completion, loan converts to permanent VA mortgage

FIG manages the entire draw schedule and works directly with your builder.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

07/31/2026

🏖️ Airbnb & short-term rental investors — your rental income CAN qualify you for a mortgage.

DSCR Loans use projected or actual STR income:

✓ AirDNA market data accepted to project income
✓ Actual Airbnb/VRBO earnings used if property is active
✓ No W-2s, no tax returns, no personal income verification
✓ Works for new STR purchases AND refinances
✓ Up to 80% LTV | Unlimited financed properties in some programs

SoCal's short-term rental market is booming — Palm Springs, Big Bear, coastal markets all strong.

FIG structures DSCR loans specifically around STR income.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

07/30/2026

🇺🇸 Sold your VA home? Your entitlement doesn't disappear — it comes back.

VA Entitlement Restoration:

Option 1 — Sell & Pay Off:
✓ Sell the home, pay off the VA loan in full
✓ Request entitlement restoration from the VA
✓ Full entitlement returned — ready for your next purchase

Option 2 — Loan Assumption:
✓ Have a qualified buyer assume your existing VA loan
✓ Request substitution of entitlement
✓ Your entitlement frees up for a new home

Option 3 — One-Time Restoration:
✓ Even if the loan isn't paid off, veterans may qualify for a one-time restoration

You served. This benefit is yours to use again and again.

FIG navigates VA entitlement for you — at no cost.

📲 fighomesandloans.com | 760-576-2853

Equal Housing Opportunity | NMLS #1939042 | DRE #02058584 | NMLS #320841 | DRE #01902724 | Not a commitment to lend. All loans subject to credit approval.

Address

11400 West Olympic Boulevard Ste 200
Los Angeles, CA
90064

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+19518883245

Website

https://fighomesandloans.com/

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