Down Payment and or Closing Cost Assistance Programs, CA only
Minimum 640 fico score to qualify for Down Payment Assistance programs. FHA financing is available from a minimum 500 fico score. Sheryl Arndt, Sr. Loan Officer 760-486-4225
Real Estate and Mortgage services by Sheryl Arndt in Silver Lakes Helendale, Apple Valley, Oak Hills, Victorville, Hesperia, Pinon Hills and all cities of the high desert
I offer a ONE STOP SHOP for my real estate and mortgage services from over 25+ years of experience. As a real estate and mortgage broker, we offer all loan programs available thru our 25-30 banks we work with.
I will choose the bank that best fits your financial needs by credit score, down payment, credit issues etc. Do you have down payment and closing costs or do you need down payment and closing cost assistance programs? You may qualify to buy and pay less than rent with down payment and closing cost assistance programs.
You may consider FHA 3.5% down from a minimum 580 fico score and from 3% down conventional from a minimum 620 fico score. If you have lower scores between 500-579 you may consider 10% down FHA.
Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the purchase. Your scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
We have the home and the loan to fit your needs so get pre-approved and get out shopping today. You can call and reach me at 760-486-4225 Sheryl Arndt or email me at HomeLoans4U@live.com Check out http://www.Under640FicoScoreLoans.com
You may consider FHA 3.5% down from a minimum 580 fico score and from 3% down conventional from a minimum 620 fico score. We offer FHA 10% down with the lower scores between 500-579.
We offer free credit repair assistance for our clients with their full complete loan file in and processing. Your scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
You may consider 5% down Jumbo from a minimum 720 fico score from 424k up to 1.5 million and from 10% down from a minimum 680 fico score and up to 3 million. You will need 20% down to purchase over 3 million.
These are full documented loans so you will need to gather one month paystubs or income documentation, two month bank statements, last two year tax returns and all schedules, W2's, 1099's, 1040's and copies of drivers license/ID and social security cards for each applicant.
*We do offer CHDAP down payment and closing cost assistance programs up to 600k in high balance areas of California if you need down payment and closing cost assistance.
It only takes a few dozen questions to qualify and go over your options and once you fax or email copies of the requested documentation you can receive a pre-approval letter within 24 hours, to get out shopping for a home of your choice.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251 760-486-4225 CA only
email me 24/7 365 days HomeLoans4U@live.com
U.S. Citizen, Permanent Residents, Foreign Nationals with valid passport,
visa to US ( Visa Waiver Program allowed ).
760-486-4225
*Credit Scores are not required for
Foreign Nationals, Stated Income Loans
Minimum 700 fico score up to 1.5 million and minimum 720 fico score
up to 2 million
Purposes: Purchase, Rate and Term, Cash-Out
Refinance.
Non Occupant Co-Borrower NOT Allowed.
Maximum 5 Financed Properties
Maximum $400k loan amount for condo's
Rental Income is Allowed to qualify
Minimum Loan Amount is $150,000
*Credit repair is available at
no cost to our clients to raise fico scores to qualify. I work directly with the bureaus and can raise fico
scores within 3-4 days in most cases.
Rates are from 5.25% and up so call to qualify to buy today.
Contact Me
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA Only
REO & Short Sale Specialist
Credit Repair At No Cost
20+ Years Experience
DRE# 01140252
NMLS# 297251
760-486-4225
9am till 7pm 7 days http://www.Under640FicoScoreLoans.com
Frank & Sheryl, CHF Access, CHDAP, Stated Income, Jumbo, 203k, FHA,
Conventional, USDA Rural, VA, CalVET,, High Balance, Conforming, Portfolio Loans
by Sheryl Arndt, Sr. Loan Officer, Under 640 Fico Score Loans by Frank Shaw,
Youtube Video
Down payment and/or Closing Costs Assistance Programs
CHDAP, California Downpayment Assistance Program
Do you have down payment and closing costs hurdles? If so, there are options with down payment and closing cost assistance programs from a minimum 620 fico score to qualify.
These programs can assist the homebuyer that wants to buy but does not have down payment and closing costs saved. You will not believe the record low interest rates available so call to qualify today.
The money you put "down" or the down payment and/or closing costs on your home
loan can be one of the largest hurdles for many first-time homebuyers. That's
why CalHFA, Chenoa fund or Platinum Grant offers several options for down payment and/or closing cost assistance.
This type of assistance is often called a second or subordinate loan. CalHFA's
subordinate loans are "silent seconds", meaning payments on this loan are
deferred so you do not have to make a payment on this assistance until your home
is sold, refinanced or paid in full. This helps to keep your monthly mortgage
payment affordable.
If you don't have a minimum 620 fico score, your scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
Inquire on CalHFA, Chenoa fund or Platinum Grant down payment and/or closing cost programs for rates and terms and buy your dream home today. There are maximum income limits for each program and are available throughout California.
I specialize in Under and Over 640 Fico Score Loans and offer credit repair advice at no cost to raise fico scores to qualify. It only takes a few dozen questions to qualify in minutes for the many loan programs I offer. Home prices as well as rents are on the rise so act today before your priced out of the market. You Have Nothing to Lose and EQUITY to GAIN!
Here is a needs list to gather for processing a loan approval, DU Approval or pre-approval letter to get out shopping for a home of your choice. Processing needs list
Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, LTV or loan program and how much you want to invest into the down payment and closing costs of a purchase.
You could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA and the Sapphire Grant from a minimum 640 fico score up to 424k. The CHDAP down payment and closing cost program can go up to 600k in high balance areas.
CONTACT ME
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
REO & Short Sale Specialist
Credit Repair At No Cost
24+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm 7 days Summer hours or email HomeLoans4U@live.com 24/7 365 days. CHDAP, CalHFA and Sapphire Grant Down Payment and/or Closing Cost Assistance Specialist http://www.Under640FicoScoreLoans.com
Frank & Sheryl, CHDAP, Jumbo, 203k, FHA,
Conventional, USDA Rural, VA, CalVET,, High Balance, Conforming, Portfolio Loans
by Sheryl Arndt, Sr. Loan Officer, Under 640 Fico Score Loans by Frank Shaw,
Youtube Video
I offer all loan programs to benefit your clients the best financially. I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify for loan programs, rates and terms.
I offer most ALL loan programs available in California.
760-486-4225 9am till 5pm 7 days
I specialize in and offer:
Credit reports to qualify you or credit repair advice
Pre-Approvals in minutes *documents required
DU Approvals in hours *documents required
Refinance & Streamline Refinance
Short Refinance (Principal Reduction)
HARP Refinance (Upside Down Unlimited LTV)
Conventional Loans
High Balance & Jumbo Loans
Self Employed 12-24 month bank statement programs
USDA Rural Zero Down (Minimum 640 fico score)
203k & Streamline 203k Refinance
HomePath & HomePath Renovation Loans
FHA Loans from minimum 500-579 fico, 10% down
FHA 3.5% down from minimum 580 fico score
VA & CalVet Loans
NO FICO SCORE Loans
MCC Tax Credit Certificate Program
Section 8 Homeownership Voucher purchase program
Sapphire Grant, CalHFA, CHDAP Down Payment and Closing Cost Assistance Programs
Down Payment Assistance Program require Minimum 640 fico score
and many more city, county assistance programs
I assist many Real Estate Agents and Brokers with their clients mortgage loan needs throughout CA.
I offer credit repair advice and Rapid Rescore at no cost to raise fico scores to qualify in just 3-4 days in most cases.
It only takes a few minutes to ask a few dozen questions to pre-qualify you or your clients today.
Gather these needs list documents for your loan approval to submit offers on the homes of your choice today. You can qualify FHA with a minimum 500 fico score with 10% down. Minimum 580 fico score to qualify for 3.5% down FHA for CA only.
CONTACT ME
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
REO & Short Sale Specialist
Credit Repair At No Cost
26+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 9pm 7 days
Frank & Sheryl, CalHFA, Chenoa fund, Platinum Grant, Self Employed 12-24 month bank statement programs, Jumbo, 203k, FHA,
Conventional, USDA Rural, VA, CalVET,, High Balance, Conforming, Portfolio Loans
by Sheryl Arndt, Sr. Loan Officer, Under 640 Fico Score Loans by Frank Shaw,
Youtube Video
