ELITE Programs

The obvious choice for top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, Elite program allows you to close quickly.

  • 700+ FICO
  • Up to 80% LTV
  • Loan amounts from $200,000 up to County Loan Limits
  • Includes FHA, Conventional, High Balance and ARMs


Offer conventional high balance loans up to 90% LTV

  • Purchases up to 90% LTV; refinances up to 80% LTV
  • Min 680 FICO; Max 43% DTI
  • Loan amounts from $453,101–$679,650
  • Better rates, easier guidelines and faster turn times than Jumbo
  • Eligible for primary and second homes

Investment Loans / Commercial Loans

  • Rehab loan
  • Business purpose lending
  • Hardmoney LONG TERM 15/30 Year options
  • Multi-unit (4+ units) investment property lending
  • Commercial Property
  • Hardmoney Loan


Most competitive rates and close High Balance loan in record time!

  • $453,101+ loan amount
  • LTV’s as high as 90%
  • 640+ FICO
  • Both fixed and ARM loans


ARM pricing can provide a lower payment for you. A competitive 5/1, 5/5, 7/1 or 10/1 low interest rate ARM.

  • Provide savings for you with lower rate and payment options
  • Reduced caps to 2/2/5 on all 5/1 and 5/5 ARM products
  • 7/1 ARMs qualify at the actual note rate

Home Ready

Conventional options for borrowers looking to purchase with a low down payment or refinance with limited equity

  • Purchases up to 97% (3% Down)
  • Refinances serviced by FNMA eligible up to 97% LTV
  • Reduced Mortgage Insurance
  • High Balance available
  • Gift funds eligible for entire down payment
  • Appraisal fee credit up to $525 given at closing


A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.

  • Up to 95% LTV
  • First time homebuyers, move-up borrowers, and retirees
  • No income limits for Underserved Areas
  • Appraisal fee credit up to $525 given at closing

Home ONE

Qualify more first-time homebuyers with this 3% down payment solution.

  • Purchases up to 97% LTV
  • No income restrictions
  • Available in all geographic locations
  • Eligible for single family homes, including townhouses and condos
  • No cash-out refinances available up to 95% LTV

Apply Online

Cactus Lending (Inside Treelane Realty)
9168 Las Tunas Dr.
Temple City, CA 91780
Tel. (626) 203-1707