A loan program for
every life stage.
From first keys to fifth property, we match you to the right financing — and close it fast, with transparent pricing and human guidance.
Dream Real Estate & Mortgage is a licensed mortgage brokerage — we shop your loan across multiple wholesale lenders to find your best fit. We are a broker, not a lender.
Get Pre-Approved
A quick application and soft review — know your budget in as little as 24 hours.
Shop With Power
Make strong, credible offers backed by a verified pre-approval letter.
Lock & Process
Lock your rate and upload documents through our secure digital portal.
Close & Celebrate
Sign with confidence and get the keys — most loans close in ~18 days.
Eight ways to finance your future.
Conventional
The workhorse loan for buyers with solid credit. Down payments as low as 3% for first-timers, no upfront mortgage insurance, and PMI that drops off at 20% equity.
- Primary, second home & investment eligible
- Fixed or adjustable rate options
- PMI cancels automatically at 78% LTV
FHA
Government-insured loans built for accessibility — lower credit thresholds and just 3.5% down make homeownership reachable sooner.
- 3.5% down with 580+ FICO (10% from 500)
- Flexible debt-to-income guidelines
- Gift funds allowed for down payment
VA
A hard-earned benefit for veterans, active-duty members, and eligible spouses. Zero down, no monthly mortgage insurance, and some of the lowest rates available.
- 0% down payment, no PMI ever
- Funding fee can be financed (some are exempt)
- Reusable benefit for future purchases
Jumbo
Financing above conforming limits for luxury homes and high-cost markets — structured around your full financial picture, including complex income.
- Loan amounts well into the millions
- Competitive rates with strong reserves
- Interest-only & portfolio options available
DSCR Investor
Debt-Service-Coverage-Ratio loans qualify on the property's rental income — not your personal W-2. The fast path to scaling a portfolio.
- No personal income or employment verification
- Qualify on projected or actual rent (DSCR ≥ 1.0–1.25)
- Vesting in an LLC permitted
Investment Loans
Conventional and portfolio financing for 1–4 unit rentals and second homes. We model the cash flow with you before you commit.
- Single-family, multi-unit & vacation rentals
- Cash-out refinance to fund the next deal
- Portfolio strategy & pre-approval support
Refinance
Lower your rate, shorten your term, consolidate debt, or pull cash out for renovations. We always run your break-even point first.
- Rate-and-term & cash-out options
- Streamline refis for FHA & VA
- Honest break-even analysis, no pressure
First-Time Buyer Programs
Combine low-down loans with down-payment assistance and grants. We'll walk you through every step in plain language.
- CalHFA & local down-payment assistance
- As little as 0–3.5% out of pocket
- Homebuyer education & budgeting support
*Conforming limits, funding fees, and program guidelines change periodically and vary by county, occupancy, and eligibility. Figures shown are illustrative — ask us for current numbers for your scenario.
Not sure which loan fits?
Answer four quick questions and we'll point you to the programs worth exploring. Takes about 20 seconds — no credit pull, no contact info required.
- Personalized program shortlist instantly
- Links straight to the right calculator
- 100% private — runs entirely in your browser
What's your goal?
Are you a veteran or active military?
Roughly, your credit?
Down payment available?
What you’ll need to apply.
Having these ready speeds up your pre-approval. Don’t have everything yet? Apply anyway — we’ll guide you through the gaps.
Start My Application- Photo ID (driver’s license or passport)
- 2 years of W-2s or 1099s
- 30 days of recent pay stubs
- 2 months of bank statements
- 2 years of tax returns (if self-employed)
- Proof of down payment / gift letter
- Current mortgage statement (refinance)
- Homeowners insurance information
Compare programs at a glance.
Indicative rates for a well-qualified Sacramento borrower. Your rate depends on credit, down payment, property, and lock timing.
| Program | Sample Rate | APR* | Min Down | Best For |
|---|---|---|---|---|
| Conventional 30-yr | 6.62% | 6.74% | 3% | Strong credit, flexible use |
| Conventional 15-yr | 5.88% | 6.02% | 5% | Faster payoff, less interest |
| FHA 30-yr | 6.31% | 7.18% | 3.5% | First-timers, flexible credit |
| VA 30-yr | 6.18% | 6.39% | 0% | Veterans & active military |
| Jumbo 30-yr | 6.79% | 6.88% | 10% | Luxury / high-value homes |
| 5/6 ARM | 6.05% | 6.95% | 5% | Shorter-term ownership |
| DSCR Investor | 7.45% | 7.61% | 20% | Rental cash-flow qualifying |
Show live rates for free: add the free Mortgage News Daily rate widget (no signup) — paste its code into the marked spot at the top of this section and real national-average rates appear automatically. Figures below are indicative; *APR includes estimated finance charges. A live lockable rate quote requires a paid pricing engine (e.g. Loansifter ~$79/mo).
Let's find your rate.
Apply in minutes or talk it through with Qasim. No pressure, no jargon — just a clear path to yes.