Lender Directory

E - Presentation for Pre-Approval
Purchase or Refinance
Closing Costs Explained

100% PURCHASE = Monthly Special

100% PURCHASE with BAD CREDIT SCORES
30-Year FIXED
You can Purchase a Home with Suitable Income
With a Low 530 FICO Score.

50%...PURCHASE DISCOUNTS

POLICE OFFICER PROGRAMS
50% Purchase Discount can be applied toward the total purchase of the House - Must work with a HUD approved Real Estat Agent and/or Broker and Loan Officer.

TEACHER LOAN PROGRAMS
50% Purchase Discount can be applied toward the total purchase of the House - Must work with a HUD approved Real Estate Agent and/or Broker and Loan Officer.

FIREFIGHTER PROGRAMS
50% Purchase Discount can be applied toward the total purchase of the House - Must work with a HUD approved Real Estate Agent and/or Broker and Loan Officer.

MD - DOCTOR / EMERGENCY MEDICAL RESPONDER TECHNICIAN LOANS
50% Purchase Discount can be applied toward the total purchase of the House - Must work with a HUD approved Real Estate Agent / Broker and Loan Officer.

GOVERNMENT LOAN PROGRAMS:

CAL-VET LOANS - 5%+Rates
Cal-Vet Qualifying Worksheets
Qualify and Request your "Certificate of Eligibility" and "DD-214 Form above.

Cal-Vet Rates
Veterans - can now get the 'BEST RATES' on the Market.

5.45% = Qualified Mortgage Bonds
5.50% = Qualified Veterans Mortgage Bonds
6.10% = Unrestricted Funds

CAL-PERS/STERS
PURCHASE OR REFINANCE
Public Employees Retirement System (PERS)
Legislators Retirement System (LRS)
Judges Retirement System (JRS)

*Cal HFA Loans*
CHFA loans are one of the best.

FHA LOANS:

97% FHA LOAN PROGRAMS
97% loans require a 3% down payment, but are easier to qualify for compared to the 100% + home loans.

FHA ACCESS 2000
102% available only to California and Nevada Residences in particular selected counties.

FHA STREAMLINE REFINANCE
It's easy to refinance, call us to find out if its going to be a beneficial move on your part.

VA - VETERAN LOANS:

VA HOME LOANS
VA home loans with zero down payment

NEIGHBORHOOD LOANS:

NEIGHBORHOOD ADVANTAGE
Neighborhood Advantage Programs are great provided you fit all the required qualifications.

NEIGHBORHOOD GOLD
First-Time Home Buyers grants / gifts.

SPECIAL LOAN PROGRAMS:

CONSTRUCTION to PERM
Construction to Perm Loan Programs

HART LOAN PROGRAM
Housing Action Resourse Trust
Down Payment Assistance Program
Borrowers need 1% of their own funds.

HARD MONEY LOANS
Hard Money are good when your credit and/or other circumstances are looking bad, the interest rate is higher because of the risk in circumstance.

MULTIFAMILY LOANS
Multifamily home loans are great loans if your looking to invest or just to Refinance.

Mortgage Credit Certificates
Tax cuts up to 15% or 20% off new buyers Federal Income Tax, not including intrest deductions.

*NEHEMIAH LOANS*
Nehemiah made an effort to build the walls back up in his city, in spite of controversy he encountered, he succeeded! This loan is to honor his actions.

SENIORS REVERSE MORTGAGES
CASH you need now. Find out all you need to know about getting a reverse mortgage for your home.

Shared Appreciation Programs
If you can't afford to purchase on your own we contribute to purchase with you and share the equity.

NO INCOME NO ASSETS (NINA) LOANS
No Verification Loans - Only employment is Verified, income amounts are not. The Buyers on a purchase has to come down with more money.

RATE LOAN PROGRAMS:

ADJUSTABLE RATE MORTGAGES
Consumer handbook on Adjustable Rate Mortgages, written from the Federal Reserve and placed on this site for your reference.

FIXED RATE LOANS
Get a 5-Year, 15-Year or a 30-Year FIXED RATE loan.

1.95% - 5 YEAR FIXED RATES
Our 1.95% Fixed Rate to Purchase or Refinance. It is not a 1 Month Teaser Rate.

203k REHAB PROPERTIES
Used for 1 to 4 units, owner occupied property can be used for construction or major rehabilitation.

About Us Buying Services Borrowing Contact Us Improvements $Refer A Friend$ Selling
All programs, rates and terms are for broker use only and are subject to change without notice.