# Loans by Sheila

> Sheila Shayan is a Los Angeles-based mortgage loan officer (NMLS 2006708) offering tailored home loan solutions — Conventional, FHA, VA, Jumbo, DSCR, and Bank Statement loans — for clients in California, Texas, and Florida through iFinance Mortgage Inc. (NMLS 1183378). Based at 8 Corporate Park Ste 328, Irvine, CA 92606.

## Key pages

- [Home](https://loansbysheilas.com/): Overview of services and path to homeownership
- [About Sheila](https://loansbysheilas.com/about/): Background, experience, and approach of Sheila Shayan
- [Loan Programs](https://loansbysheilas.com/loan-programs/): Conventional, FHA, VA, Jumbo, DSCR, and Bank Statement loan options
- [Blog](https://loansbysheilas.com/blog/): Plain-English mortgage education articles
- [Contact](https://loansbysheilas.com/contact/): Get in touch to start a loan application

## Educational articles

- [Mortgage 101](https://loansbysheilas.com/blog/mortgage-101-your-guide-to-understanding-home-loans/): Beginner's guide to home loans
- [What is PMI?](https://loansbysheilas.com/blog/what-is-pmi-private-mortgage-insurance/): Private Mortgage Insurance explained
- [What is MIP?](https://loansbysheilas.com/blog/what-is-mip-mortgage-insurance-premium/): Mortgage Insurance Premium on FHA loans
- [What is Escrow?](https://loansbysheilas.com/blog/what-is-escrow-breaking-it-down-simply/): Escrow in closing and monthly payments
- [HELOC vs Home Equity Loan](https://loansbysheilas.com/blog/heloc-vs-home-equity-loan-whats-the-difference/): Compare equity products
- [Closing Costs vs Cash to Close](https://loansbysheilas.com/blog/closing-costs-vs-cash-to-close-whats-the-difference/): Closing-table breakdown
- [What is a VA Loan?](https://loansbysheilas.com/blog/what-is-a-va-loan-a-powerful-benefit-for-veterans/): Veterans and active-duty homebuying
- [What is a DSCR Loan?](https://loansbysheilas.com/blog/what-is-a-dscr-loan-a-smarter-option-for-real-estate-investors/): Investor financing via rental income
- [What is an ARM?](https://loansbysheilas.com/blog/what-is-an-arm-loan-understanding-adjustable-rate-mortgages/): Adjustable-rate mortgages explained
- [Bank Statement Loans](https://loansbysheilas.com/blog/bank-statement-loans-for-self-employed-buyers/): Self-employed borrower financing
- [Rate Locks](https://loansbysheilas.com/blog/rate-locks-explained-securing-your-interest-rate/): How and when to lock your rate
- [Temporary Rate Buydowns](https://loansbysheilas.com/blog/whats-a-temporary-rate-buydown/): 2-1 and 3-2-1 buydowns
- [Credit Scores and Mortgage Rates](https://loansbysheilas.com/blog/how-credit-scores-impact-your-mortgage-rate/): Score tiers and pricing
- [Loan Estimate](https://loansbysheilas.com/blog/what-is-a-loan-estimate/): Reading and comparing lender quotes
- [Understanding Your Mortgage Payment (PITI)](https://loansbysheilas.com/blog/understanding-your-mortgage-payment-principal-interest-taxes-insurance/): Principal, Interest, Taxes, Insurance
- [Buy Now or Wait?](https://loansbysheilas.com/blog/should-you-buy-a-home-now-or-wait/): Market timing considerations
- [What Is a USDA Loan?](https://loansbysheilas.com/blog/whatisausdaloan/): Zero-down financing for rural and suburban homes
- [Down Payment Myths](https://loansbysheilas.com/blog/downpaymentmythswhatyoureallyneedtobuyahome/): What you really need to buy a home
- [Top Mistakes First-Time Homebuyers Should Avoid](https://loansbysheilas.com/blog/topmistakesfirst-timehomebuyersshouldavoid/): Common pitfalls and how to avoid them

## Contact

- Email: contact@loansbysheilas.com
- Address: 8 Corporate Park Ste 328, Irvine, CA 92606
- Service areas: California, Texas, Florida
- Apply: https://www.blink.mortgage/app/signup/p/ifinancemortgageincx/sheilashayan