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California

First Time Homebuyer Assistance

First Time Buyer Loans and Information

Buy a Home with Little or No Money Down... even if your credit is not perfect!

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It's Easier than Ever!

 

CLICK Here Now

 

Many first time home buyers falsely believe that there is only one First Time Home Buyer program available to them and the terms are very restricted.  The fact of the matter is that there are numerous first time buyer programs available- for borrowers with all types of credit and income.

Here are several of the programs that we have available to qualifying first time home buyers:

103% First Mortgage

107% First Mortgage

100% First Mortgage

100% Finance- 80% First Mortgage Loan, 20% Second Mortgage

3% down payment , 97% 1st Mortgage

First Mortgage Loans up to 100% of purchase price (or appraisal value -whichever is lower)

 

Lenders have created a variety of attractive, flexible loan packages to encourage first time home buyers.

 

Some First Time Home Buyer loans are available to borrowers with current debt ratios up to 50%.

We have programs available for borrowers with previous bankruptcies and in some cases, a first time home buyer may be approved for up to 100% financing with no seasoning requirement on the bankruptcy (credit requirements and proof of income required, e-mail or apply online for details).

Programs are also available to first time home buyers in counties where typical real estate values exceed $300,000.  There are no county maximum loan limits with our programsLoan limits are based on income and credit grade only.

Self employed or stated income borrowers may also qualify for up to 100% financing on approved credit.

Please complete the short pre-application without cost or obligation by clicking here.  A loan officer

licensed by the California Department of Real Estate will review your information and contact you to discuss your home buying options.

 

Savvy home buyers with good credit can avoid the monthly mortgage insurance with 100% conventional financing!  No mortgage insurance can mean a potential savings every month, and perhaps tens of thousands of dollars over the life span of the loan!

Apply Online by Clicking Here

 

Home Purchases   l  First Time Home Buyers l  Previous Homeowner  l   Refinance   l  Pre-Qualify Now!