California Home Loans- Mortgage - Refinance - Cash out

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Loan Purchase, Mortgage Refinance - Whatever Your Lending Requirements:
Fairfield, Oakland, Sacramento, San Francisco and San Jose, Los Angeles, San Diego, CA.
 


An FHA loan allows you to buy a house with as little as 3% down. The FHA loan is a great way for first time home buyers, or anyone with a shortage of down payment funds, to buy a home. Of Course to qualify for a FHA home loan, you'll need a good credit history and sufficient income.

Types Of FHA Loan Available:

  • HUD Homes - Properties for Sale and Financed by FHA

  • Officer Next Door - 50% Discounted properties and financing for police officers.

  • Teacher Next Door - 50% discounted properties and financing for teachers.

  • CHDAP - 100% financing using second mortgage.

  • Nehemiah - 100% financing with assistance of home seller.

  • HART - up to $15,000 gift funds

  • Neighborhood Gold - up to $15,000 gift funds with assistance of home seller

  • CHFA Loans Loans (CHAFA) - discounted financing option with income limitations

  • Access 2000 - 100% financing with use of second mortgage.

  • 203K - FHA major home improvement, rehab loan.

  • Home Improvement Title - FHA insured second mortgage up to $25,000

  • Cash-Out Refinance Loans - up to 85% of properties value cash-out refinance.

  • Single Family Home - standard FHA 203(b) loan.

  • Units> Duplex Triplex Fourplex - unit financing

  • Fixed Rate FHA Loans - standard FHA fixed rate loan

  • HA adjustable rate mortgages (ARM) - standard FHA ARM, Adjustable Rate Mortgage

  • FHA Buydown Loans - FHA 1/1 or 2/1 buy down loan.

  • Reverse Mortgages - HUD reverse mortgage for seniors over 62.

The FHA program makes buying a home easier and less expensive than other types of real estate mortgage home loan programs. A few points to remember when considering an FHA loan program :

Minimal Down Payment and Closing Costs.

  • Down payment less than 3% of Sales Price
  • 100% Financing options available*
  • Gift for down payment and closing costs allowed.
  • No reserves or required.
  • FHA regulated closing costs.
  • Seller can credit up to 6% of sales price towards buyers costs.

Easier Credit Qualifying Guidelines such as:

  • No minimum FICO score or credit score requirements.
  • FHA will allow a home purchase two years after a Bankruptcy.
  • FHA will allow a home purchase three years after a Foreclosure.

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Apply for a FHA loan from a California FHA mortgage loan lender who specializes in FHA loans - Home Approved Loan

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