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Mom\\Realtor (10 years experience)
********FIRST TIME HOMEBUYERS SPECIALIST******
My preferred lender has the following special Available Products:
• CalPLUS Conventional or FHA with ZIP: A 30 year fixed rate, Conventional or FHA loan with a second lien for 3% or 3.5% to use for down payment assistance. Add an additional $6500 for Conventional loans if the borrowers are first time Homebuyers.
• CalHFA Conventional or FHA: 30 Yr. Fixed Rate, Conventional or FHA loan which can be used as a stand-alone, or combined with a second lien program for down payment assistance. Borrowers do not need to be first time homebuyers for this program.
• Extra Credit Teacher Home Purchase Program (ECTP): Second lien for the up to the greater of 3% or $15,000 to use for down payment assistance. This program is available for teachers, as well as administrators, classified employees and staff members of schools with an API ranking of 1-5. The interest is forgiven by 1% for each year borrower works at the school.
• California Homebuyer's Downpayment Assistance Program (CHDAP): A deferred payment second lien in the amount of 3% to use for down payment assistance. Borrower must be a first time homebuyer to be eligible for this program. Can be added to CalPLUS loan with ZIP for additional assistance.
• Purchase Only
• Properties located anywhere the state of California
• Minimum 640 FICO
• Maximum 45% Debt to Income Ratio
• Primary Residence Only
• Income and Purchase Price Limits apply
*No Minimum Flip Season Requirements on Conventional Programs*
Call, text or email to discuss your next move!!!
My goal is to build lifetime relationships. Let's talk about how we can reach our goals together.
If you are reading this, it is because you are very likely to become a client and a very close friend for years to come. I appreciate your business and look forward to working with YOU!