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Available Products

FHA

  • No Minimum Fico Requirement
  • Up to 96.5% financing
  • Non-occupant co-borrowers ok for qualification
  • Up to 55% Debt-to-income ratios
  • Highly competitive rates and low premiums
  • No reserves required
  • Down payment assistance programs available
  • Loan amounts up to $729,750
  • Manual Underwriting Allowed

FHA $100 Down Program

  • Good Neighbor Next Door Program open to any home buyer buying HUD owned property
  • 50% discount off LIST PRICE of home for any Law Enforcement Officer, Firefighter, EMT, and/or Private or Public School Teacher
  • No First Time Home Buyer Requirement
  • No income or fico restrictions

CalSTRS

  • For all public school district & community
    • College employees (part-time ok) including CalSTRS employees
  • 80/17 program with small 3% down payment 17% 2nd has deferred payment for 5 years
  • No mortgage insurance on 80/17 program
  • Highly competitive interest rates & low closing costs
  • Jumbo loans up to $834K

CalPERS

  • For state & county employees or any active, inactive, or retired member of PERSW system
  • Highly competitive  interest rates & low closing costs Low-to-no down payment required
  • Low-to-no down payment required
  • 2 Free lock float down opportunities
  • Personalized Real Estate Assistance Program

CHF Access Program (FMC Exclusive)

  • Up to 99.50% financing=little to no money
  • Down & no out of pocket closing costs
  • Not Limited to First Time Home Buyers
  • No Recapture Tax
  • No Sales Price Restrictions
  • No Minimum Fico Required
  • EASY to qualify

VA Home Loan

  • 100% financing=No Down Payment
  • No Monthly Mortgage Insurance Premiums
  • No Reserve Requirements -1 unit properties
  • 100% Gift Funds Allowed
  • Low Interest Rates

** We also offer Conventional financing for Conforming and Non-conforming loan amounts** Partner with a direct lender who has been in business for over 35 years and is known in the industry for being the BEST in delivering these products. We close loans, and close them FAST with SUPERIOR levels of Customer Service!  With our in-house underwriting team, we have the ability to close transactions within 15-20 business days!!

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