First Time Home Buyers.. CalPERS program highlights.

Real Estate Agent with RE/MAX Gold Folsom

Here are some bullet points on the CalPERS program. Let me know if you need to get qualified or need to see some properties.

  • Exclusively for active or inactive members of the CalPERS retirement system, Judges' Retirement System (JRS) or Legislators' Retirement System (LRS)
  • 30, 60, and 90 day lock options
  • 60 and 90 day locks feature two NO COST float down opportunities
  • Down Payment and Closing Cost Assistance possible
  • Available for Purchase, Rate and Term and Cash-Out Refinances
  • Controlled Closing Costs
  • Maximum Origination 1.25 points
  • Maximum Lender Fee $350
  • Conforming Fixed and FHA available
  • Non-Conforming Fixed available to 4 times Conforming limit (currently $1,668,000)
  • Qualify at standard DU (for conventional loan) or FHA guidelines
  • Can take personal agains PERS retirement up to $18,421 (or 5% of sales price, whichever is less)
  • Maximum loan amount with personal loan is $350,000
  • Personal loan for down payment only

Now is the time to buy..                               


John Hayes

RE/MAX Gold Folsom





Blushing Scot Martini Recipe

Colored with a dash of Red Grenadine

2 oz. of Scotch
1 oz. of Godiva white chocolate Liqueur
½ oz. light cream
¼ teaspoon grenadine

Combine all these I in a mixing glass, add ice, shake I, and strain into a Swank Martini Glass.


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John Hayes

Folsom,El Dorado Hills,Sacramento,Mather
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