residential loans by direct capital lending in tulare

FHA Loans | #1 Mortgage Broker Banker in the Valley

FHA or Conventional — Which Loan Saves You More?

Home price

$

Down payment %

%

FHA interest rate

%

Conventional interest rate

%

FHA Loan

—

per month (incl. MIP)

Down payment —

Loan amount —

Upfront MIP (1.75%) —

Annual MIP (monthly) —

MIP duration —

Min. credit score 580

Conventional

—

per month (incl. PMI if <20%)

Down payment —

Loan amount —

Upfront cost $0

PMI (monthly) —

PMI duration —

Min. credit score 620

Total cost over 30 years

FHA Loan —

Conventional —

Talk to Aldo about which loan fits you →

* FHA MIP rates: 1.75% upfront + 0.55% annual (loans >15 years, LTV >90%). Conventional PMI estimated at 0.8% annually, removed at 80% LTV. Rates shown are for illustrative purposes. Actual rates depend on credit score, lender, and market conditions.

Residential FHA Loans

What are FHA Loans?

An FHA-insured loan is a mortgage loan backed by the US Federal Housing Administration and supplied by an FHA licensed lender. Lenders are protected by FHA mortgage insurance.

What benefits can I get from FHA Loans?

Some of the primary advantages of an FHA loan include the ability to qualify with a credit score as low as 500, a DTI ratio of more than 50%, the ability to add a co-income borrower to get approved even if the co-borrower will not reside in the home, and a low down payment.

Our partnerships allow us to leverage these flexible guidelines to secure some of the lowest rates and most competitive terms in the market for your loan.

A few reasons an FHA loan would be a good choice

The FHA requires a small down payment (as low as 3.5 percent of the purchase price).
The annual premiums for FHA insurance have recently been decreased.
The FHA was created to make homeownership a possibility for everyone.
Bankruptcy or foreclosure does not preclude you from obtaining an FHA loan.

Aldo Gutierrez, President and Owner of Direct Capital Lending, smiling at his office desk while holding mortgage loan documents, representing experienced and trusted home financing services.

5 Stars MortGage Broker

Reputation Matters

    
 
 
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   Jose Guido 
 
 
 
 Trustindex verifies that the original source of the review is Google. El mejor lugar para comprar o refinanciar tu casa es una compañía muy profesional comprometida con sus clientes en cumplir sus metas de tener una casa dando siempre el asesoramiento y apoyo profesional ético y de calidad
Más aparte su personal siempre profesional y efectivo dispuesto a ayudar y con un gran líder Aldo Gutierrez una persona muy profesional de gran calidad humana en fin mi confianza y recomendación 100% es para esta compañía la número 1 del valle central y de cualquier lugar
  
 
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   Lorena Alvarado 
 
 
 
 Trustindex verifies that the original source of the review is Google. Aldo is the best in the game, him and his team made sure i was always set and didn’t have to worry about anything because I was dealing with professionals who knew what they were doing the whole time through !
  
 
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   Maria Fernanda Arechiga 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Direct Capital Lending helped my family buy our first home. They helped us find something in our budget. His team was available to answer any questions and guided us through the home-buying process. They made the home-buying process easy.  We are grateful for the help we received.
  
 
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   Armando Oseguera 
 
 
 
 Trustindex verifies that the original source of the review is Google. Aldo and his staff were great to work with. He’s very knowledgeable and always makes himself available to answer questions throughout the process. I highly recommend Direct Capital Lending when seeking a home loan.
  
 
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   Fidel Rodriguez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Direct Capital Lending was exceptional in refinancing my home. Aldo and his team helped me secure a better rate, saving me money while providing outstanding service. Their expertise and dedication made the entire process smooth and stress-free. I highly recommend Aldo and his team!
  
 
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   Edgar Meza 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Aldo and his team at Direct Capital Lending was an outstanding experience from start to finish. Aldo is professional, knowledgeable, and truly committed to helping his clients succeed. He took the time to explain every step of the process and made everything clear and easy to understand. His team was just as impressive—friendly, responsive, and efficient. Together, they made what could have been a stressful process feel smooth and seamless. I highly recommend Aldo and the entire team at Direct Capital Lending !!
  
 
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   Bernave Castro 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exelente trabajo muy satisfecho gracias
  
 
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   Billy Etrata 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service and was very knowledgeable and helpful. Thank again!
  
 
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   Julio Ramos 
 
 
 
 Trustindex verifies that the original source of the review is Google. If you’re looking for an investor friendly loan officer, Aldo is your guy! He helped me get max value on a cash out refinance to begin my real estate investing career! Aldo and his team made this process so easy. Not only did they help me refinance, but also found me a home insurance for a small fraction of what I was paying before! Aldo and his team are great at what they do and they will go the extra mile just to see you win!
  
 
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   Ashley Palafox 
 
 
 
 Trustindex verifies that the original source of the review is Google. 100% recommend Direct Capital Lending for any purchases or sales! Purchased our first home through them and Aldo and his team were amazing and super helpful. Made the process super easy!
  
 
  
  
 
 
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Our Awards

Highly likely to recommend

“When we first met with Aldo, to discuss the sale of our home, he provided local comps regarding current real estate market sales. He gave us a provisional breakdown of what we would be able to sell our home for. It was right on the money.”

5 stars capital lender
Sandra and Fernando

Sold a Mobile / Manufactured home in 2015 in Bakersfield, CA.

I would highly recommend Aldo for purchasing a home.

“Prior to meeting Aldo, my credit was in bad shape. He gave me the advice to fix my credit that would ultimately help me get funded for a loan as well as find the perfect home for my children and myself..”

Arik

Bought a Single Family home in 2015 in Porterville, CA.

Great service!

“He did a good job getting me approved for my house! Definitely recommend him!!”

-Luis Solis

best capital lender in tulare

Highly likely to recommend

“I have worked with Mr. Gutierrez on several occasions, he is very professional and knowledgeable in his field. I would recommend him to any and all of my friends and family, its nice working with you Aldo. Will be doing more business with you in the future.”

-Luis Sand

Bought a Single Family home in 2013 in Porterville, CA.

Aldo is great!!!

“Let him know what you need and he will work day and night to get you what you need!!! Great guy.”

-Eddie Alvarado

experienced capital lender in tulare

I would highly recommend him

“Overall professional and has knowledgeable experience in what he does. Aldo and his team were very friendly and helpful to me and my family; when we were in the process of buying a home. I would highly recommend him to anyone that is seeking to buy.”

Melissa Perez Reyes

Bought a Single Family home in 2015 in Porterville, CA.

Can I pay off my FHA Loan early?

Yes. You have the option of paying off your FHA loan early. Prepayment penalties are not charged on FHA loans, unlike many standard mortgages.

FHA loans, which are government-backed mortgages, are intended for borrowers with low to moderate incomes. Many traditional loans need higher minimum down payments and credit scores. FHA loan rules state that borrowers cannot be charged any superfluous fees, such as a due-on-sale clause or a prepayment penalty, that could put them in financial trouble.

An FHA loan is easier to qualify for than a conventional loan, which is a loan that is not insured or guaranteed by the government. FHA loans allow for lower credit ratings and, in some situations, lower monthly mortgage insurance payments than conventional loans.

One of the most significant advantages of FHA loans is that the interest rate imposed on the loan is the same regardless of your credit score.

Since 2006 we have helped people with their home loan needs. We have the best wholesaler in the country.

559 - 920 - 2904

Highly likely to recommend

“When we first met with Aldo, to discuss the sale of our home, he provided local comps regarding current real estate market sales. He gave us a provisional breakdown of what we would be able to sell our home for. It was right on the money.”

Sandra and Fernando

Sold a Mobile / Manufactured home in 2015 in Bakersfield, CA.

I would highly recommend Aldo for purchasing a home.

“Prior to meeting Aldo, my credit was in bad shape. He gave me the advice to fix my credit that would ultimately help me get funded for a loan as well as find the perfect home for my children and myself..”

Arik

Bought a Single Family home in 2015 in Porterville, CA.

Great service!

“He did a good job getting me approved for my house! Definitely recommend him!!”

-Luis Solis

direct capital lending happy client profile picture

Highly likely to recommend

“I have worked with Mr. Gutierrez on several occasions, he is very professional and knowledgeable in his field. I would recommend him to any and all of my friends and family, its nice working with you Aldo. Will be doing more business with you in the future.”

-Luis Sand

Bought a Single Family home in 2013 in Porterville, CA.

Aldo is great!!!

“Let him know what you need and he will work day and night to get you what you need!!! Great guy.”

-Eddie Alvarado

happy client from direct capital lending

I would highly recommend him

“Overall professional and has knowledgeable experience in what he does. Aldo and his team were very friendly and helpful to me and my family; when we were in the process of buying a home. I would highly recommend him to anyone that is seeking to buy.”

Melissa Perez Reyes

Bought a Single Family home in 2015 in Porterville, CA.

It's like a miracle for me to own my home today!

“I had been turned down for over a year because of my bad credit and a short sale I had in the past, but thanks to Aldo, I’m a homeowner. He was accurate on all information, kept communication, and easy to access with any questions I had, restored my credit score, helped with home insurance, home inspection was very professional and honest with all paperwork.”

LaPeli

Bought a home in 2014 in CA 94274.

El Corredor Hipotecario #1 en el Valle

559 - 920 - 2904

NMLSID: 278744

NMLSCDID: 396625

BREID: 01399575

Contacto

Lunes - Viernes: 8 am - 6 pm
Sábado: 9 am - 2 pm

206 N Main St.
Porterville, CA 93257

Su mejor prestamista de casa.