Loan Programs


  • Minimum Down Payment: 3.50% which can come as a “gift” from approved sources

  • Up Front MI of: 1.75%, can be added to Loan

  • Monthly MI of: .85%

  • Maximum Loan Amount SFR: Loan amounts are set by counties. In many northern California counties, the limit is $474,950. Loan amounts above $417,000 have additional costs and or rate increases. In the San Francisco Bay Area, FHA loan limits are as high as $625,500.

  • Maximum Seller Concession: 6%

  • Minimum FHA FICO requirement without additional down payment requirements is 580…but most companies require at least 620.

  • Refinancing is allowed, at high loan to value ratios

  • Both Fixed-Rate and Adjustable-Rate loans permitted

  • Roof & Pest inspections not mandatory unless noted by appraiser or called for in contract

  • No Income Limits

  • Do not have to be a first-time buyer

  • Must be owner occupied

  • No requirement for reserves when purchasing a single family dwelling.

  • Non-Occupying co-borrowers allowed

  • Can utilize other state, county and city programs, and Energy Efficient Mortgage options

  • FHA requires 90 days from date of trustee sale before purchase contract can be written unless REO is a federally chartered bank

  • FHA Loans are Assumable

FHA 203(k) Streamlined

  • The 203(k) Rehabilitation Loan provides funds for both the purchase of the property and the costs of its rehabilitation.

  • 1 to 4 Units / Refinance and Purchase Transactions

  • Threshold for rehabilitation work is at least $5000.

  • Streamline 203(k) available for smaller Non-structural work

  • Rehab work funds are escrowed and dispersed upon inspection

  • Appraised value considers work completed

USDA Loans

  • 100% financing with no down payment for certain qualified transactions!

  • Property must be 8 acres or less

  • Property can’t have a pool

  • Properties must be located in eligible rural areas (generally towns with a population of 20,000 or less that are removed from an urban area)

  • Income limits are 115% of the U.S. Median Income (for most counties, the 4 person household income limit is $65,000 maximum)

  • No cash reserves are required

  • Borrowers are not required to be first time homebuyers

  • No Loan limit restrictions

  • Minimum credit score of 620 from most lenders


  • 30-Year Fixed-Rate Mortgage at below market rates (in most cases) for first-time buyers

  • Government Insured/Guaranteed Loans

  • 30-Year Fixed Government Insured/Guaranteed Mortgage. This program is for mortgage loans that are insured or guaranteed by FHA, VA or USDA and features a 30-year term with a low, fixed interest rate

  • Real Estate Owned (REO) Loan Programs

  • CalHFA Community Stabilization Home Loan Program. This program helps first-time home buyers purchase vacant home that are owned by participating financial institutions in certain area of California.


  • One of the only 100% LTV programs around. No down payment required

  • Loan amounts above $417,000 require a downpayment

  • Must have DD214 with honorable discharge

  • Must be owner occupied

  • Bankruptcy and foreclosures do not necessarily eliminate veteran from qualifying– looking for 2 years in most cases

  • No cash reserves required

Reverse Mortgages

  • Must be 62 years of age, or older

  • Must be owner occupied

  • Must be able to demonstrate your ability to pay your property taxes and insurance

  • Available for most property types – Single Family, FHA approved condominiums, PUD’s and manufactured homes that meet FHA and lender guidelines

  • Can be used as a tool for guaranteed income, periodic payment of obligations, or in purchasing a home with no mortgage payment

For any inquiries, questions or commendations, please call: 888.316.4947 or fill out the following form

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1677 Eureka Rd # 201

Roseville, CA 95661

917 7th street 1st floor

Sacramento, CA 95814

Tel: 916-773-5351

BRE #01872387

NMLS #253083

Get a quote: 888.316.4947