LOAN PROGRAMS

FHA ACCESS - Available in ALL California Counties
- A first time homebuyer program allowing for 99.5% funding of a home's sale price!!
FHA – Available in ALL California Counties
- Sub-620 FICO, Manual Underwrites, Down Payment Assistance Available
VA – Available in ALL California Counties
- Zero Down Payment, Manual Underwrites, Sub-620 FICO
Sub-620 Information – Reports show that 33% of the country is under 620 FICO - don't turn these borrowers away!
CalSTRS – Available in ALL California Counties
- Purchase and Refinance options for teachers of public schools and community colleges.
CalHFA – Available in ALL California Counties
- Provides the Home-Buyer with 96.5% financing of the purchase price or appraised value, whichever is greater.
No FICO Score Program – ALL California Counties
- Provides the Home-Buyer with Non-Traditional options for qualification
Manufactured Homes - ALL California Counties
- FHA Loans on Manufactured Housing Available!!
MCC – Riverside County
- Provides the Home-Buyer with a tax credit amounting to 15% of the interest on the first mortgage
DPA Programs – Riverside/San Bernardino County
- Programs providing the Home-Buyer with funds for 20% of the purchase price toward his or her down payment
The WISH Program – All California Counties
Down Payment Assistance Program that provides a 3-1 matching subordinate lien of up to $15,000.00 per household toward down payment or closing costs.