Have You Previously Owned A Home?

No problem!

You may still qualify for one of our easy qualify purchase programs- even if your credit is not perfect!

CLICK Here

There are numerous home buyer programs available- for borrowers with all types of credit and income. Home purchase programs are still available to prospective home buyers who have had:

► Bankruptcies

►  Late Payment History

►  Slow Payment History

Home Buyers with good to excellent credit, may take advantage of several low rate home loan financing programs up to 107% of the home value.  These programs make it easy for borrowers with good credit but no money for a down payment to become homeowners.

Here are several of the programs that we have available to qualifying 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)

Previous home buyers have access to loan programs allowing current debt ratios up to 55%!

Programs are 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 home buyers in counties where typical real estate values exceed $300,000.  There are no county maximum loan limits with our programs!  Loan 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.