Surety Financial Services is a direct lender & mortgage banker with a complete portfolio of competitive conforming and jumbo loan products. Your Surety loan agent can access pricing for you instantly through our internet based pricing engine. Surety also maintains a core group of brokerage and private banking relationships which allow the company to serve its clients with niche high balance jumbo loans. Surety is a market leader in conventional mortgage financing.

Surety Financial Services is a HUD approved, direct endorsed, full eagle FHA lender. Our FHA lending operations are second to none. Our seasoned team of agents, underwriters, loan processors and funders are well known for their ability to analyze, approve and fund FHA loans at competitive prices in a timely manner. Contact one of Surety’s loan agents and let us assist you with your FHA loan needs.

Surety Financial Services has participated in the financing of hundreds of millions of dollars in securitized and un securitized commercial and multi-family loans. Please contact Ian Jack or Keith Jacobs from Surety's Senior Management Team for more information

Surety Financial Services understands that there are times when institutional financing options are insufficient or unavailable to meet the need of our clients. Surety has sources for private money short term financing to address these times. Please contact Ian Jack or Keith Jacobs from Surety’s Senior Management Team for more information.

Surety Financial Services is both a banker and a broker of jumbo loans. Surety has its own competitive mortgage banking jumbo loan product but we also recognize the need to augment our product with products offered by other private and regional bankers especially in the super jumbo arena. Surety maintains a select group of broker relationships which allow us to offer these products to our clients. Surety offers the best of both world's; the safety and comfort of a direct lender and the product availability of select brokerage.

	100% financing available for Veterans, sellers are allowed to pay all closing cost up to 6%.
	Interest Rate Reduction Refinancing
	No Monthly Mortgage Insurance
	Flexible Underwriting Guidelines

	Offers 80/17 Loans in which CAL STRS will provide a 30 year fixed second at the same interest rate as the first with the first 5 years deferred payments and will qualify with no payment on the second, allowing the borrower to qualify for a higher loan amount.
	CAL STRS requires 3 % down payment 2% of which may be a gift and 1% the borrowers own funds.
	They allow a 60 day lock with a onetime float down on the rate in case rates decline.
	Surety Financial is one of a few selected lenders that offer this unique program that is available to employees of California public school districts Ca Community Colleges and/or a member of the California State Teachers’ Retirement System this includes employees that are in a non teaching position such as clerical.