Foreclosure Lender Specialist

"All Your Real Estate Needs Under One Roof" 

H.ome O.wnership T.oday

This program helps lower to moderate income households obtain home loans at reasonable mortgage rates.  The advantages are 100% financing, NO mortgage insurance (MI), NO assets or automatic reserve requirements, Gifts are allowed for closing costs. Eligible property types include single family homes and condominiums. This program does have some income and property eligibilty requirements.  Please click on the link for more information.

Fixed Rate Home Loans

With a fixed rate home loan you don't have to worry about your monthly payment changing....ever.  Your mortgage rate and payment are fixed for the life of your home loan.  Fixed rate mortgage loans range from 10 to 40 years.

FHA Home Loans

FHA home loans are insured by the Federal Housing Administration.  FHA home loans offer many advantages including low down payment requirements Minimum Downpayment is 3.5% of the purchase price, flexible credit guidelines Minimum Credit score of 620 now required. Call us today to obtain a free copy of your credit report with no obligation.  Please click on the link for more information.

VA Home Mortgagae Loans

VA home loans are guaranteed by the US  Department of Vetran Affairs,  These mortgage loans are offered specifically to eligible veterans for home purchases, rate and term home loan refinances or cash-out mortgage refinances.  VA loans offer many advantages to qualified veterans.  Please click on the link for more information.

Loan Modification

Loan Modification was created to stop homewoners from losing their homes to foreclosure, in most cases your loan is modified by either a lower interest rate and/or lowering the principal balance.  The banks would rather see you stay in you home an negotiate a "fixed Rate" than go through the expense of attorney fees, eviction or foreclosure.

CalHFA

CalHFA is designed to offer first time home buyers options to purchase a home with little to no money down and even offer financing up to 102% of the home's value as a credit back towards repairs. 3-5% of the down payment can be a gift from this program however it will need to be paid back should you sell or refinance within a specific period of time. CalHA loans are guaranteed by the federal government and do not require mortgage insurance.