Plaza Loans is a Direct Lender in Northern California Headquartered in San Jose, CA. Minimum requirements for loans these days depend on the loan Size. In general you will need good credit (620+ credit score) to obtain a real estate loan. Minimum down payments start at 3.5% of the purchase price. Please fill out the form below and we will get back in touch with you with in 24 hours.

Plaza Loans Inquiry Form

We fund and approve loans directly. That means quicker approvals and lower rates. Our rates are at least half a percent lower than market rates.

* Required Fields

Contact Information

First Name *

Last Name *

Email Address *

Home Phone * (format: 408-123-4567)

Work Phone (format: 408-123-4567)

Loan Purpose
Select loan purpose Home Purchase Home Refinance Refinance with Cash Out Debt Consolidation Home Equity Line of Credit Unsure/Other

Original Purchase Price

How much is your home worth today?

What is your mortgage balance?

What is your second mortgage balance?

Additional cash needed?

OK to estimate (eg: $40,000)

Property Type
Select property type Single Family Planned Unit Dev - attacd/dtchd Condo - lowrise Condo - highrise 2-4 Units Residential

Zip Code

How would you rate you credit?

• Excellent (>720)
• Good (680-720)
• Fair (620-680)
• Poor (<620

Inquire Today About a FHA Home Loan from Plaza Loans, an approved FHA lender. An FHA loan offers homeowners safe and affordable purchasing and refinancing options to help purchase or reduce their monthly mortgage payments.

FHA provides mortgage insurance on loans made by approved lenders, insuring mortgages on single family, multifamily and manufactured homes. The FHASecure program gives homeowners with non-FHA adjustable rate mortgages the chance to refinance into an FHA-insured mortgage. Even families who have missed up to three mortgage payments in the past year qualify for the program, making FHASecure a saving grace for families hit by unexpected financial shock. The only requirement for refinancing with FHASecure is sufficient income to make a mortgage payment. By choosing to refinance with FHASecure, Los Angeles and Southern California homeowners will enjoy reduced monthly mortgage payments. Further, homeowners will help restore liquidity and stability to their local housing market by meeting their payments and reducing the number of mortgage defaults in their neighborhood, making for happier and healthier communities throughout Los Angeles and the greater Southern California area.