Christy's California Realty

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Comprehensive Real Estate, Mortgage, and Business Financing Solutions

At Christy's California Realty, we offer a wide array of financial and real estate services tailored to meet the needs of individuals, businesses, and investors. From unsecured loans to specialized mortgage programs, we provide resources to help you achieve your financial and real estate goals.

Financing Solutions

Residential and Commercial Loans

• Covering all property types, including rentals, commercial developments, and more.

Unsecured Business and Personal Loans and Lines of Credit

• Flexible financing options for businesses and individuals without collateral requirements.

No-Payment 2nd Mortgage

• Innovative second mortgage programs with no monthly payment requirements.

Investor and Construction Loans

Hard Money Loans

• Quick funding solutions

• Private and business-purpose loans tailored for fast, flexible funding.

• Fix and Flip Incentives for real estate investors.

• Ground-up construction financing.

• Cross-collateralized programs.

• Multi-unit and rehab loans.

• DSCR loans for rental properties with cash-flow evaluation.

Bridge Loans

Incentives for Investors

• Exclusive incentives for fix-and-flip transactions.  Contact us for details.

Business Services

• SBA Loans for small businesses.

Franchise and Business Intermediary Services

• Assistance in finding, purchasing, or selling business opportunities.

Franchise your existing business.

Specialized Loan Programs

• Home Equity Line of Credit (HELOC) and 2nd Mortgages

• Loans for property lots, land purchases, retirement properties, and manufactured homes.

• Government-backed loans, including VA, FHA, USDA Section 502, and Native American Section 184.

• Jumbo and Super Jumbo loans up to $30+ million.

Specialized Borrower Options

• Programs for first-time buyers, foreign nationals, and those with non-traditional income sources:

• Bank statements, 1099s, P&L statements.

• Solutions for borrowers with challenged or no credit scores.

Real Estate and Property Management Services

Specialty Leasing

Residential and Commercial Transactions

• Professional assistance with buying, selling, and leasing all types of real estate.

Residential Rentals and Leasing

• Helping landlords and tenants with leasing services.

Relocation Services

• Comprehensive support for individuals and businesses moving locally or internationally.

Short- and Long-Term Office Space Solutions

• Flexible options for businesses looking to acquire, rent or lease office spaces.

Educational Consultations and Purchase Preparation

• Equipping buyers and investors with knowledge to make informed real estate and financing decisions.

Government and Specialty Loan Programs

FHA and CalHFA Programs

• Comprehensive FHA loan solutions, including FHA commercial, 203(k) for home renovation, and 203(h) for disaster victims.

• CalPLUS and CalHFA programs for California residents.

HUD Good Neighbor Next Door Program

• Significant incentives for law enforcement officers, teachers, firefighters, and emergency medical technicians:

• 50% discount on the list price of eligible homes.

• Aimed at community revitalization while supporting homeownership.

Grants and Down Payment Assistance

• Access to forgivable and deferred payment down payment assistance programs to make homeownership more affordable.

Accessory Dwelling Units (ADUs)

• Guidance on grants, financing, and construction for ADUs to expand property value and income potential.

We are committed to providing a seamless experience with personalized solutions for every client. With access to a vast network of lenders and loan programs, we can find the best financing options for individuals, businesses, and investors. Contact us to learn more about how we can assist with your specific needs.

Let us help you achieve your goals with customized solutions and exceptional service!