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| UPTO 103% CLTV- FIXED 30YR CALHFA PLUS ZIP 3.0% |
| 3% Down Purchase Conventional Loan |
| FHA Loan with 3.5% down |
| FHA with Credit score 550 |
| Expanded Criteria- Bankruptcy & Short Sale |
| 12 month & 24 month bank statement loans |
| Non QM Loans |
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UPTO 103% CLTV- FIXED 30YR CALHFA PLUS ZIP 3.0%
FIXED 30YR CALHFA PLUS ZIP 3.0%
1st mortgage (Confirming or FHA)-LTV 96.5%- Credit score 640+
Down Payment Assistance 2nd mortgage: Up to 3.5%
3rd Mortgage up to 3% of purchase price to pay for closing costs (
Term: 30 years
Maximum Amount: $765,000
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| Conditions apply.Please contact me for details. |
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3% Down Purchase Conventional Loan
Put 3% down payment to purchase a home. This is a Conventional loan where mortgage insurance can be eliminated down the road if certain conditions are met. This loan qualifies for High Balance loan amounts. Loan limits are different based on County. Please contact me for information specific to your location.
Term: 30 years
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FHA Loan with 3.5% down
Ideal for borrowers with past credit issues. Possible to do 3.5% down to 620 credit score. High Balance loan limits. These loan limits are dependent on County where property is located.
Term: 30 years
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FHA with Credit score 550
This FHA loan is for borrowers with credit scores between 550 and 619 with 10% down payment.
Term: 30 years
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Expanded Criteria- Bankruptcy & Short Sale
I have several products that may fit your needs. Please contact me to discuss your situation and determine which programs may be viable for you.
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12 month & 24 month bank statement loans
Please call for details. These loans are normally ideal for self employed borrowers or borrowers who cannot show income by traditional means.
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Non QM Loans
These programs are for Non owner occupied/Investment properties. They can range for 1 year bridge loan to Adjustable as well as 30 year fixed loans.
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.
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