02/22/2013 EZM Loan Program of the Week: TRAINING

CHF Platinum Program / CHF Access Program ONLY ½ % DOWN PAYMENT Owning A Home May Be Easier...Down Payment and/or Closing Cost Assistance Purchase of Primary Residences Only •	Not Limited to First-Time Homebuyers •	Low-To-Moderate Incomes1 •	No Credit Score – Ok!2 •	Gift Funds - Allowed 1Income limits up to 120% of HUD Adjusted Median Income. 2If credit profile does not generate ANY credit score, non-traditional credit may be used instead (e.g. verification of rent, utilities bills, installment loans, and/or other similar accounts; ask us about our lending guidelines for more specific details). CHF PLATINUM PROGRAM is available for the purchase of an owner occupied single-family residence, agency-approved condominium or Planned Unit Development (PUD) located in the state of California. The grant, currently made possible through the program, is sized at 3% of the mortgage loan amount. The grant funds can be used towards the homebuyer’s down payment and/or eligible closing costs on a 30-year fixed-rate full amortization FHA, VA or USDA mortgage loan. It is available for purchases of both new and existing homes, as long as the home will be the primary residence of the homebuyer. CHF ACCESS PROGRAM combines a 30-year Fixed Interest Rate FHA first mortgage loan with down payment and/or closing cost assistance from CHF in the form of a low fixed interest rate second mortgage, making combined financing up to 99.5% of the purchase price possible. This program is available throughout California. This is not a guarantee or commitment to lend. UMAX Mortgage dba Equity Zone Mortgage; NMLS #17366/CA DRE #01824314.

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