(818)-784-2929

22935 Ventura Blvd. Los Angeles, CA

Crestico Funding
  1. Home
  2. Home Loans
  3. Agency

Conforming and Government Backed Loan Options

Agency loans provide an affordable path to homeownership through conforming mortgage programs backed by Fannie Mae and Freddie Mac. At Crestico, we help homebuyers and homeowners compare agency loan options for purchasing or refinancing a home while guiding them through every step of the mortgage process.
Check Your Eligibility

Choose the Right Agency Loan Program

Freddie Mac

Freddie Mac loan programs provide reliable financing for eligible borrowers purchasing or refinancing residential property. These conventional loans offer flexible qualification standards, affordable financing options, and competitive mortgage terms that help make homeownership more attainable while supporting long term financial stability.

Fannie Mae

Fannie Mae loans are conventional mortgage programs designed to make homeownership more accessible. Qualified borrowers may benefit from competitive interest rates, lower down payment options, flexible credit requirements, and predictable monthly payments. These loans are an excellent choice for first time buyers, repeat buyers, and homeowners looking to refinance.

Step 1

Check Eligibility

Step 2

Payment Option

Step 3

Get Approved

Step 4

Close the Loan

Step 5

Repayment & Loan Terms
Crestico mortgage advisor helping homebuyers explore agency loan options during a home financing consultation

Why Choose Crestico for Agency Loans

Whether you are buying your first home, upgrading to a larger property, or refinancing your existing mortgage, Crestico provides personalized guidance throughout every stage of the loan process. We work closely with borrowers to explain available financing options, answer questions, and help simplify the mortgage experience from application through closing.

Frequently Asked Questions

What is an agency loan?

An agency loan is a conventional mortgage that follows the lending guidelines established by Fannie Mae or Freddie Mac. These loans are designed to provide affordable financing for qualified homebuyers and homeowners.

Who qualifies for a conforming loan?

Eligibility depends on factors such as your credit score, income, debt to income ratio, property type, and loan amount. A mortgage professional can help determine which program fits your situation.

Can I refinance with an agency loan?

Yes. Many homeowners use agency loans to refinance an existing mortgage, lower their interest rate, reduce monthly payments, or change loan terms.

What is the difference between Fannie Mae and Freddie Mac?

Both organizations support conventional mortgage lending by purchasing qualifying home loans from lenders. Their programs are similar, although certain eligibility requirements and loan options may differ.

Can first time homebuyers use agency loans?

Yes. Many first time homebuyers choose agency loan programs because they offer competitive interest rates, flexible qualification requirements, and affordable down payment options.

Get the Best Home Loan Rates  With Crestico

Get Pre-Approved Now
Henry D.
Marisol was extremely helpful and successful in resolving the problems associated with my loan. We are very happy with our new loan.
Maria C.
They were always available to answer my questions and made the entire process simple and straightforward. I got a great rate and the support I needed to close on time. I wouldn't hesitate to use them again or recommend them to family and friends!
Nik N.
I couldn't have had a more amazing experience with our realtor - Diane Phillips. Diane is extremely knowledgeable and personable. She got to know me and my...
Tatiana G.
Houtan and Marisol are a great team. They helped my dad with his refinance and made the process seamless. They answered every question we had and came up with solutions if we ran into any issues. Thanks again!
Wesley P.
I had an amazing experience.I received all the information, support and they were very Knowledgeable of the information that I needed.
George H.
Excellent Mortgage Broker – Highly Recommended! I had an amazing experience working with Houtan and his team at Crestico. From start to finish, not only Houtan himself but his entire team made the mortgage process smooth, stress-free, and efficient. Their knowledge and expertise were evident at every step, ensuring I got the best possible loan terms. Communication was outstanding; Houtan was always available to answer my questions, explain complex details in a way that made sense, and guide me through the entire process with confidence. They were proactive, transparent, and truly had my best interests in mind. If you’re looking for a mortgage broker who is professional, reliable, and dedicated to helping you secure the best financing, I highly recommend Houtan and his team. I couldn’t have asked for a better experience!
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive, personable, and knowledgeable. He is incredibly reliable and would answer calls or emails within minutes when I had questions. I can't recommend Houtan enough for buying a house. We had been working directly with a large bank on a loan, and all seemed fine until we had an accepted offer, then we started having issue after issue where there was just no sense of urgency. We almost had to walk away from our house, but Houtan and his team were referred to us in mid escrow, helped us explore multiple options in parallel, and close on time. Houtan was very responsive and on top of everything, presented our options very clearly, patient with all our questions, and really understands the Los Angeles housing market.
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Niloofar S.
As a first time home buyer, taking out a jumbo loan could’ve been quite scary. But Houtan and his team made it a pleasant experience. An amazing team who are always one step ahead of the process.
Mohammad S.
Easy to work with ! Professional people and honest!
Jack M.
Worked with Houtan. He got our loan closed super fast and got us a rate that was lower than what our bank offered us. I'm very happy with Crestico and i recommend them to anyone.
Rebecca S.
Finally a real professional with a heart! Working with Houton makes me feel like having a friend who is on my side, rather than a businessman who is always looking out for #1. He is extremely helpful, knowledgeable, and responsive. He was always happy to explain and strategize with me whenever I needed help. Unlike most realtors and lenders out there who don't want to use their brains and only do easy and mindless paperwork, Houtan has great analytical and investment insights to share with his clients. I wholeheartedly recommend him to anyone who values the rare combo of both thoughtfulness and top-notch expertise.
Ramtin S.
Thank you Houtan and the entire team for going above and beyond every single time. From the onset, you guys gather whatever is necessary to get the job done as quickly and efficiently as possible, always keeping constant communication. My rate and fees are disclosed and never change at the time of signing.
Shayan M.
These guys were a godsend when searching for a home loan. I was first time home buyer and they helped out with the entire process. Everything from the customer service to making sure I was informed for every step of the process was handled exceptionally. I am absolutely ebullient with Houtan and his entire team have given me, and helping me transcend into the status of homeowner.
Pouyan B.
I have been working with Houtan for over 10 years. He and his office have always been great to work with. Excellent communication and great work ethic. I will definitely be back for my other mortgage needs in the near future.
Michael R.
Thank you Houtan and team for helping me secure my home loan! Great communication, customer service and rate! Look no further, call Crestico for all of your home loan needs.
Bronson M.
I want to express my gratitude to Houtan and his team. Houtan is extremely knowledgeable and really takes the time to answer any questions that you have. He wants the best for his clients and I would recommend him to anyone.
Diba P.
I want to take a moment to express my gratitude for Houtan Hormozian and the exceptional service he provided in helping me secure a loan. From our very first conversation, he was attentive, understanding, and incredibly knowledgeable about the lending process. He took the time to explain all the details, answered all my questions patiently, and worked tirelessly to find the best options tailored to my needs. His professionalism and dedication made what could have been a stressful experience into one that was smooth and straightforward. Thanks to Houtan Hormozian, I was able to secure the financing I needed, and I couldn't be happier with the outcome. I highly recommend him to anyone in need of lending services. His commitment to his clients is truly commendable!
Golnaz G.
Houtan and his team are the best. They made the whole process of buying the house so easy for me. Houtan is very professional,knowledgeable , trustworthy and caring. He wants the best for his costumers. I highly recommend him to everyone.
Cristy M.
Jason M.
Dane R.
We did a lot of research before settling on Houtan - and he has been a great find. He has helped us with our home purchase, and several refinances since then. As we look into purchasing rental properties, he is always available to answer questions and explain things in terms that non-brokers can understand. He is, and will always be a part of our investment team.
Sean L.
Houtan and His team are great. He got me a great rate and funded my loan before my escrow closing date. A ++
Lena M.
I am a realtor. Houtan Hormozian was my buyers lender. He was always very responsive and always answered my calls, some lenders never call you back He promised he would close in 30 days and he did. I would highly recommend him.
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