Future Realty, Inc.
From pre-approval to close — your financing moves at the same pace as your transaction, handled by people who already know your deal.
Get Pre-Approved Today24–48 hrs
Pre-Approval Turnaround
6+
Loan Programs Available
In-House
Agent & Lender Coordination
OC
Orange County Specialists
Whether you're buying your first home, moving up, or building a portfolio — we have a loan program built for your situation. Our in-house lender works exclusively with Future Realty clients to match you with the right structure from day one.
The standard choice for buyers with solid credit. Competitive rates, flexible terms, and no upfront mortgage insurance with 20% down.
Government-backed financing with a low down payment and flexible credit requirements — ideal for buyers entering the market for the first time.
Exclusive to eligible veterans and active-duty military. Zero down payment, no private mortgage insurance, and some of the most competitive rates available.
For luxury properties above the conforming loan limit — common in Orange County. Strong underwriting with flexible structures for high-net-worth buyers.
Qualify based on the rental income of the property — not your personal income. Purpose-built for investors growing a portfolio of residential or multi-family properties.
Access the equity you've built — for renovations, a down payment on an investment property, or consolidating high-interest debt. Keep more of what you've earned.
A quick call with our in-house lender to understand your goals, timeline, and financial picture. No pressure — just clarity on what's possible.
Submit your documents and get a full pre-approval letter within 24–48 hours. Know your exact number before you make a single offer.
Your agent and lender are already in sync. When you find the right property, your financing moves immediately — no back-and-forth delays.
Everything runs under one roof. Your real estate and lending teams work together to hit every milestone on time and get you to the table.
When your agent and lender are already talking, things move fast. Pre-approvals, rate locks, and underwriting all happen without the delays of an outside institution.
No more chasing two separate teams. Your real estate agent and lender share context on your deal — so nothing falls through the cracks between contract and close.
One trusted team, one standard of service. When Quynh's name is on the door, everyone involved in your transaction is held to the same level of care.
Pre-qualification is a quick estimate based on self-reported numbers. Pre-approval is a verified commitment — we review your credit, income, and assets and issue a letter that sellers take seriously. We recommend going straight to pre-approval before you start making offers.
It depends on the loan type. FHA loans start at 3.5%, conventional can be as low as 3%, VA requires nothing down. For jumbo loans (common in OC given the price range), most lenders require 10–20%. We'll walk you through the exact numbers based on your target price range.
Most conventional and VA programs require a 620+ score. FHA accepts as low as 580. Jumbo and investment loans typically want 700 or above. The higher your score, the better your rate — but there are options at most credit levels. We'll tell you exactly where you stand.
Pre-approval takes 24–48 hours once we have your documents. The full loan process from accepted offer to close typically runs 21–30 days. With an in-house lender coordinating alongside your agent, we can often move faster than the standard timeline.
Yes. DSCR (Debt Service Coverage Ratio) loans are designed specifically for rental properties — you qualify based on the property's projected rental income, not your personal income. This is ideal for investors who are self-employed or already carry multiple mortgages.
Absolutely. A cash-out refinance or home equity loan lets you pull equity from your existing property to fund a down payment on a new purchase. This is a common strategy for investors looking to grow their portfolio without tying up liquid cash.
Ready to get pre-approved or just want to understand your options? Fill out the form below and our in-house mortgage team will be in touch within one business day.
Phone
(714) 679-3839Office
12122 Brookhurst St.
Garden Grove, CA 92840
NMLS ID
# 2778383
What to Expect