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VA Loans

For the men and women that served us, we serve you by offering an amazing loan!

Fast Processing:

 1. Let our VA team guide you through a fast and easy process.

Turnkey Process:

  1. Receive your VA loan quickly and easily and quickly today.

No Money Down:

 1. Purchase or refinance at 100% of the home’s value.

Jumbo Loans

A FHA Loan is a great solution for a first-time homebuyer as well as those who want to make a lower down payment. Additionally, a FHA loan will help our clients with less-than-perfect-credit!

Eliminates Having to Obtain Multiple Loans :

 1. Provides the convenience of one loan for the entire loan amount, with a variety of options.

Purchasing a High-End Home :

  1. Jumbo Mortgages range from $417,000 to $2 million.

Tax-Deductible Interest :

 1. Jumbo Mortgage rates have reached historic lows, and interest on loans up to $1 million is tax-deductible.

Low Down Payment Loans

Have you heard?! Fannie Mae and Freddie Mac have re-established their low down-payment programs, Homeready and Home Possible. We’re trained to understand how these programs work and how they can benefit your unique financial picture.

Greater Purchasing Power :

 1. Since homebuyers are allowed to put less towards their down-payment, they may be able to afford a larger home that they previously didn’t qualify for.

Save Money for Home Expenses :

  1. Moving can become an expensive endeavor. With less down, you will be able to spend more of your cash on things your home needs!

Home-Buyer Counseling Required :

 1. At least one of the homebuyers will be required to attend a home-buyer education course.

Conventional Loans

Take advantage of low rates with a conventional purchase!

Most Common :

 1. This is the most utilized mortgage program.

Up to 30 Years :

  1. 30, 20, 15 and 10 year mortgages available.

Fixed & Adjustable Rates :

 1. Choose between fixed options and adjustable options.

Adjustable Rate Mortgage (ARM) Loans

With an Adjustable Rate Mortgage, the interest rate fluctuates according to the interest rates in the economy. Initial interest rates of ARMs are typically offered at a discounted rate that’s lower than the rate for a Fixed Rate Mortgage. Over time, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down.

Significantly Reduces the Cost of a Mortgage :

 1. For a fixed period of time, you save on interest costs and pay more towards your principal.

Plan on Moving or Refinancing within 3-7 Years :

  1. After your initial rate period, your interest rate will be adjusted based on the type of program that you choose.

Expecting Mortgage Rates to Decline :

 1. If you expect mortgage rates to decline, ARMs can work towards your advantage

Fixed Rate Mortgage Loans

A fixed-rate mortgage is exactly what it sounds like. It’s a mortgage for which the interest rate is fixed for the life of the loan. Fixed rate mortgages are available in multiple terms. The most common loan terms are 30 year, 20 year, 15 year, and 10 year loans. The monthly payment on a fixed-rate loan is inversely proportional to its term. The more years in a loan, the lower its monthly payment.

Security :

 1. Fixed-rate mortgages are secure because you never have to worry about your interest rate possibly going up.

Great Rates :

  1. As fixed-rate mortgage rates have dropped in recent years, the relative value of an ARM’s low starting mortgage rate has diminished.

Predictable :

 1. Your mortgage payment is set on Day 1 of your home loan, and never changes until the loan is paid-in-full. Some homeowners may prefer this type of certainty.

203(K) Home Loan Renovation​

Planning to buy a fixer-upper? This program combines your construction loan and your mortgage into a single home loan, which saves money in closing costs and simplifies the home renovation process.

Renovating? Save money! :

 1. Combine your renovation loan and your mortgage into a single home loan, which limits your loan closing costs.

Backed by the Federal Housing Administration (FHA) :

  1. The 203k loan combines the traditional “home improvement” loan with a standard FHA mortgage, with loan amounts of up to $636,150.

Streamline your 203(k) :

 1. The Streamlined 203k loan is for less extensive projects and costs are limited to $35,000. Traditional 203k loans do not have a maximum construction amount.

CALHFA​

Sapphire & Help Grant Programs

3 – 4.5% can be used for down-payment and/or closing costs:

 1. You decide what to use the grant money for.

The Grant is forgiven and not required to be repaid. :

  1. You can now afford more than you thought! .

Maximum Loan $417,000 not including MIP or VA Funding Fee. :

 1. Know your max purchase price right away

MCC CALHFA

To help you increase your disposable annual income, here’s a federal tax credit program for you

Convert 20% mortgage interest into dollar for dollar tax credit

 1. Save money right away

Unused portion of credit can be rolled forward for up to 3 years :

  1. Easier to qualify for a loan

Tax credit can be used to help qualify when used in conjunction with an FHA, VA or Conventional 1st :

 1. Gives your loan great flexibility

FHA Loans​

A FHA Loan is a great solution for a first-time homebuyer as well as those who want to make a lower down payment. Additionally, a FHA loan will help our clients with less-than-perfect-credit!

Most FICO Score Accepted

 1. More flexibility with FICO scores.

Quick Processing

  1. Our FHA team is experienced to get your FHA loan funded quickly.

Gift Funds Allowed :

 1. Your friends and family can help finance your dream home.

Private Money Loans​

A great way to get money quick so you can finish that project right away!

Low Down-payments

 1. You don’t need 20% down to start your next project!

Rates starting as low as 7.99% to 13.99%

  1. Lower payments mean more profits

Loan doc’s within 48-hours!!!!

 1. Get your money right away, don’t waste time!

Want more information? Contact us

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