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Home / Home Loans

Home Loans

The right loan for the move you are making.

Buying your first home, building, tapping equity or adding a rental. Terry compares the options on your real numbers, and if you are not sure where you fit, that is the first conversation.

Specialties

Where Terry focuses.

First-Time Buyers

Low down payment options and a pre-approval you can actually shop with.

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FHA Loans

A lower down payment and more flexible credit guidelines.

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VA Loans

A benefit veterans earned: no down payment options and no monthly mortgage insurance.

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Construction Loans

Financing to build new, add on, or take a home down to the studs.

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Home Equity & Cash-Out

Turn the equity you have built into capital for a remodel, debt payoff, or your next move.

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Investment Property Loans

Financing for rentals and income property, built with the next purchase in mind.

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Also Offered

The standard range, handled just as carefully.

Conventional Loans

Straightforward financing with low down payment options for qualified buyers.

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Refinance

Lower the payment, shorten the term, or change the loan type.

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Loan + Real Estate, One Team

The loan and the home, handled together.

Most of what goes wrong in a purchase happens in the gap between the lender and the agent. With financing and real estate under one roof, the offer, the appraisal, the loan conditions and the closing date are managed together, by people who talk to each other every day.

Next Step

Let’s talk about your next move.

Buying, selling, building or refinancing. Start with a direct conversation about your goals and the numbers behind them.

Equal Housing Opportunity

Terry Williams, Mortgage Loan Originator NMLS #219863, Equity Smart Home Loans, Inc. (Company NMLS #856170), 1499 Huntington Drive, Suite 500, South Pasadena, CA 91030. Real estate services through Equity Smart Real Estate Services, CA DRE #01906808. This is not a commitment to lend. Equal Housing Opportunity.