Conventional
Flexible financing for purchases, refinances and second homes.
Explore options
AVITA FINANCIALRESIDENTIAL & COMMERCIALStart application California & Florida mortgage guidance
Premium financing options.
Personal attention.
Exceptional execution.
Clear guidance for homebuyers, homeowners, self-employed borrowers and real estate investors—from first conversation through closing.
Direct broker attention Broad lending options Secure application
Current opportunities
Start with rates. Decide with the full picture.
Sample rate scenarios will appear here after the current figures and required disclosures are confirmed.
Request a personalized quoteFinancing options
A program for the way you actually earn, own and invest.
Traditional mortgages and carefully selected alternatives—explained plainly and matched to the transaction rather than forced into a single lending box.
Jumbo & High Balance
Thoughtful options for higher-value homes and complex borrowers.
Explore optionsInvestment & DSCR
Qualify eligible rental properties using property cash flow.
Explore optionsBank Statement
Alternative income documentation for self-employed borrowers.
Explore optionsAsset Depletion
Use eligible assets to demonstrate repayment capacity.
Explore optionsCash-Out Refinance
Access equity for investment, improvements or other goals.
Explore optionsFHA & VA
Government-backed options for eligible homebuyers and service members.
Explore optionsUSDA
Location- and income-qualified financing for an eligible primary residence.
Explore optionsCommercial
Guidance for investment and owner-occupied properties.
Explore optionsHELOCs & 2nd Loans
Access available home equity without replacing an existing first mortgage.
Explore options1099 Income Loans
Flexible income qualification for eligible independent contractors and professionals.
Explore optionsForeign National & ITIN
Specialized financing for eligible international and ITIN borrowers.
Explore optionsThe Avita approachFast is valuable.
Fast is valuable.
Prepared is faster.
Strong execution begins before the file reaches underwriting. We identify the right documentation path, anticipate questions and keep communication direct.
Start with the complete picture
We review income, assets, credit and property goals before recommending a direction.
Compare the real economics
Rate matters—but so do credits, points, mortgage insurance, cash to close and future flexibility.
Move with a clear file
A carefully prepared application helps underwriting stay focused and keeps surprises to a minimum.
Plan with confidence
Run the numbers—then understand what they mean.
Explore a mortgage payment, early payoff, or renting versus buying. Each tool is paired with guidance about taxes, insurance, mortgage insurance and assumptions that may change the result.
Ask about your scenarioMortgage payment
Estimate principal, interest and housing costs.
Mortgage payoff
See how added principal may change the timeline.
Rent vs. buy
Compare costs, time horizon and potential equity.
Mortgage resources
Answers for decisions borrowers actually face.
Bank statement loans: when tax returns do not tell the full story
Understand deposit analysis, expense factors and how to prepare a cleaner file.
Read the complete guidePrepare the financing before you find the house
Purchase guidanceHow DSCR loans qualify rental properties
DSCR guideCompare the complete economics of a refinance
Refinance guidanceReady to move forward?Continue through Avita’s secure mortgage application portal.
Talk through the details
A useful answer starts with your actual scenario.
Ask a mortgage question, request a quote or choose a convenient time to speak. No pressure and no generic call-center handoff.
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