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Home loan programs all vary in their requirements for loan approval. Some government backed loans such as VA loans and FHA loans require lower down payments, and are more flexible in regards to credit requirements. Other loans, such as Jumbo loans generally have less flexibility in their requirements for approval. Orange County based Summit Lending is both a mortgage broker and a direct mortgage lender. This means that we can guide you to the lenders that best fit your needs. In other cases, if there isn’t a loan available for your unique circumstances, we can make the decision to lend directly to you.