FIRST-TIME HOME BUYER (FTHB) LOAN PROGRAMS, and we also provide the following services and loan programs:
HARP 2.0 (Home Affordable Refinance Program) for "Underwater" homes (propety value is less than mortgage–UNLIMITED Loan-To-Value for Fannie Mae or Freddie Mac loans!)
HomePath and HomePath Renovation
FHA Streamline Refinance
95% Financing, One-Loan, NO Mortgage Insurance (Lender-Paid MI)
97% Financing MyCommunity Loan
Purchase a home 1 day after Short Sale! (must be current on mortgage)
Down Payment Assistance Program
Cash Out Refinance (even for currently Listed Properties!)
Change in Rate/Term Refinance (Reduce your monthly payments!)
95%, 97% and 100% Financing (Purchase & Refinance)
102% Financing for Purchases (USDA)
Home Equity Loan
Home Equity Line of Credits
FHA Loans (Federal Housing Administration; Credit Score is not a qualifying factor!)
VA Loans (U.S. Department of Veterans Affairs)
Mortgage Credit Certificates (MCC) for First-Time Home Buyers
CalHFA Benefit Programs (California Housing Finance Agency, for First-Time Home Buyers)
CalPERS Benefit Programs (California Public Employee Retirement System)
CalSTRS Benefit Programs (California State Teachers' Retirement System)
Reverse Mortgages (No re-payment EVER! For Senior Citizens)
Commercial Loans
Land/Lot Loans
Construction-To-Permanent Loans
Renovation/Rehabilitation Loans
Manufactured Homes
Non-Permanent U.S. Residents
First-Time Home Buyers Investment Properties, without landlord history
No Pay Stub, No W2, No Tax Return (VOE Program)
No Income, No Asset Vertification (No Doc)
3% Below Market Interest Rate (3-2-1 Buydown)
40 Years Term
Interest-Only Payments
Foreclosure Bailouts
Short Sale Financing
REO Financing (Banks' Real Estate Owned properties)
