Business Details
10 Years
experience
Boat & RV Loan Specialists in San Jose, CA
Since 2016, 316 Lending has specialized in providing tailored financing solutions for boats, RVs, and home mortgages. Our team of certified loan experts holds extensive experience in structuring flexible loan terms up to 20 years with competitive interest rates. We maintain a California Financing Law license (CFL #6054751) and operate under Mortgage Loan Originator #1899995, ensuring full compliance with state regulations. Our proprietary loan processing system eliminates prepayment penalties while offering simple interest fixed loans.With minimum down payments starting at 10% and zero down payment options available for qualified applicants, we combine industry expertise with personalized service to simplify complex financing transactions. Our track record demonstrates consistent delivery of transparent pricing structures and case-by-case evaluations for both new and used units.
Services
Boat Loans
RV Loans
Mortgage Loans
Home Refinancing
Flexible Loan Terms
Details
- Year established: 2016
Highlights and features
- We offer loan terms up to 20 years with no prepayment penalties
- Our team maintains active Mortgage Loan Originator certification #1899995
- We provide zero down payment options for qualified applicants
- We operate under California Financing Law license #6054751
- Our proprietary system ensures transparent simple interest fixed loans
Associations and certifications
- NMLS
- California Department of Financial Protection and Innovation
Services
Boat Loans
We provide specialized financing for new and used boats with loan terms up to 20 years. Our competitive rates and flexible down payment options start at 10%, with zero down payment available for qualified applicants purchasing vessels valued at $100,000 or less.
RV Loans
Our RV financing program covers motorhomes and trailers with terms extending up to 20 years. We offer simple interest fixed loans with no prepayment penalties, including zero down payment options for qualified borrowers seeking units priced at $100,000 or below.
Home Refinancing
We facilitate home refinancing solutions with competitive interest rates and flexible terms. Our process includes case-by-case evaluations for both conventional and specialized mortgage products, maintaining minimum down payment requirements starting at 10% for qualified applicants.
Flexible Loan Terms
Our loan programs feature adjustable terms up to 20 years depending on loan amount. We accommodate unique financing scenarios through case-by-case evaluations while maintaining transparent pricing structures and eliminating prepayment penalties across all loan products.
Mortgage Loans
We offer comprehensive mortgage solutions for home buyers with competitive interest rates and flexible down payment options. Our programs include zero down payment eligibility for qualified applicants purchasing properties valued at $100,000 or less, with loan terms extending up to 20 years.
Questions
What types of loans does 316 Lending offer?
We specialize in boat loans, RV financing, mortgage loans, and home refinancing options with flexible terms up to 20 years.
Do you offer zero down payment options?
Yes, qualified applicants can receive zero down payment financing for boat or RV purchases valued at $100,000 or less.
Are there prepayment penalties on your loans?
No, all our loan products feature simple interest fixed rates with no prepayment penalties.
What loan terms do you provide?
We offer terms up to 20 years depending on loan amount, with case-by-case evaluations for older units.
Are you licensed to operate in California?
Yes, we operate under California Financing Law license #6054751 and Mortgage Loan Originator #1899995.
