Loan Programs

The following is a partial list of programs offered by Bailey Mortgage Enterprises Inc with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 707-822-9294.


Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.

No Down Payment

0% down payment required and closing costs paid by the borrower (seller can contribute up to 6% towards closing costs).

Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation. Cash out and No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.

Investor Loans

Used to finance 1-4 family properties that will be for investment with as little as a 20% down payment.

FHA Mortgage

Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3.5% down payment - and they can even finance "allowable" closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs.

Flex 97%

Similar to FHA, but without maximum mortgage amount limitations. Must be a single family, owner occupied home and borrower must have a credit score of over 680.

VA Mortgages

Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person. This type of loan many times offers a no down-payment option.

USDA Loans

A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA. This loan product has income eligibility requirements and, many times this product will also allow a no-down payment option.

HARP 2.0

The Making Home Affordable Refinance Program (HARP Phase II) is a government backed mortgage program that allows most borrowers with existing Fannie Mae and Freddie Mac loans to refinance their homes even if they owe more than their home is worth, have an adjustable rate mortgage, have been turned down for a refinance loan or loan modification in the past, or just can't afford their mortgage payment anymore.