True Blue Lending

Residential

A home loan built for you.

Purchase, refinance, FHA, VA, jumbo, first-time buyer, and investment-property financing. One broker, start to close.

Apply NowRun the numbers
A two-story modern farmhouse at golden hour with white board-and-batten siding, a navy front door, arched flanking windows, a brick walkway, and mature oak trees — illustrating True Blue Lending residential purchase financing.

Purchase

The loan that gets the keys handed over.

Conventional, conforming, and high-balance purchase financing for primary residences and second homes. Pre-approvals written against real underwriting logic, not pipe-dream calculators — so offers hold up.
See conventional programs
Modern kitchen interior showing a finished home renovation — illustrating True Blue Lending refinance and cash-out programs that fund home improvements.

Refinance

Restructure the loan, not the lifestyle.

Rate-and-term, cash-out, and consolidation refinances. Break-even analysis up front — if the math does not work, we tell you. Same-day turnaround on refi scenarios.
Refinance options
Mid-paint craftsman bungalow with a sage-green door, paint cans on the porch, and a wooden ladder leaning against the column — illustrating True Blue Lending FHA loan financing for first homes and renovations.

FHA

A low-down-payment loan without the runaround.

FHA 203(b), 203(k) renovation, and streamline refinance programs. Down payments as low as 3.5% with credit profiles most retail lenders will not touch.
See FHA details
Quintessential American suburban single-family home at golden hour with white siding, navy front door, and an American flag on the porch column — illustrating True Blue Lending VA loan financing for veterans.

VA

For those who earned the benefit. Used right.

VA purchase, cash-out, and IRRRL streamline refinances. Zero down, no mortgage insurance, and funding-fee reductions for eligible service-connected veterans.
See VA details
Modern luxury coastal home with floor-to-ceiling glass, infinity pool, and ocean horizon at evening blue hour — illustrating True Blue Lending jumbo loan financing above conforming limits.

Jumbo

High-balance lending, without the high-balance friction.

Non-conforming financing above agency limits. Full-doc and bank-statement jumbos for self-employed borrowers, interest-only structures, and asset-depletion qualifying.
See jumbo programs
Sunlit empty living room of a freshly purchased starter home with hardwood floors and a few unopened moving boxes — illustrating True Blue Lending first-time home buyer programs.

First-time buyer

Your first home should not feel like a final exam.

First-time-buyer programs with down-payment assistance, closing-cost credits, and gift-fund structures. The process translated into plain English, not mortgage jargon.
See first-time programs
Three-story Edwardian-style multi-unit San Francisco residence with a bicycle on the sidewalk — illustrating True Blue Lending investment property and rental property loan programs.

Investment property (SFR)

Financing that treats your rental like a business.

DSCR, full-doc, and portfolio-style investment lending on single-family rentals. Cash-flow qualification when tax returns do not tell the real story.
See investment programs
Single-story craftsman home at golden hour with a covered porch and rocking chairs — illustrating True Blue Lending HECM and proprietary jumbo reverse mortgage programs for borrowers 62 and older.

Reverse Mortgage

Tap home equity in retirement, principal and interest deferred.

HECM Standard, HECM for Purchase, HECM Refinance, and Proprietary Jumbo Reverse for borrowers 62 and older. No monthly principal and interest payment as long as you live in the home — property taxes, homeowners insurance, and HOA dues remain your responsibility. Non-recourse and FHA-insured.
See reverse mortgage programs

Ready to qualify

One call. Real answers.

Twenty minutes with Jesse will tell you more than a week of online calculators. No credit pull required.

Apply NowBook a consultation

Prefer to talk first? Call (707) 583-3666