WE SPECIALIZE IN
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
* FHA 203k Streamline (or Standard)
* 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)
* Same Day out of Bankrupcy Discharge Okay
* Non-Prime (Supposedly "Bad" Credit)
* Hard Money
* And even the "Hard-To-Do" Loans!
