Loan Programs

FHA Loan
        Low down payment, easy to qualify credit, low closing costs
        No cash reserves, cash out refinance up to 85% without higher rate

203K
        Single- close allowing up to $35,000 toward home repairs and improvements
        without obtaining a second lien

VA Loan
        No down payment for qualified veterans
        No monthly mortgage insurance

CalHFA
        95% loan to value with up to 5% toward closing costs
        Last of the 100% financing programs available in this market

USDA
        No Down Payment required up to 100% financing
        No mortgage insurance payments