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 about an FHA home loan today from Plaza Loans. Offering safe and affordable financing options and insured mortgages through approved lenders, FHA aims to keep homes in the hands of the owners who love them.

FHA loans are available for all homeowners, regardless of past financial history. The FHASecure program offers affordable refinancing options and promises that lenders will not automatically disqualify candidates who may be delinquent on loans. For Bay Area families who have fallen into unexpected financial crisis, FHASecure offers assistance— even for homeowners who have missed up to three mortgage payments in the span of one year. Sufficient income to make a mortgage payment is the only requirement to qualify for FHASecure refinancing. By choosing an FHASecure refinancing mortgage, Bay Area homeowners can lower their monthly payments and help bring stability to their local housing market, thereby improving their own and their neighbor’s quality of life for years to come.