Real Estate and Mortgage services in Apple Valley, Oak Hills, Victorville, Hesperia, Pinon Hills of the high desert

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

WE NOW are only lending in CA

We now again only lend in CA.

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.