sheryl arndt: FHA Mortgage Insurance premium has been lowered from 1.35% to .85% - 01/26/15 03:29 AM
 
FHA Mortgage Insurance premium has been lowered from 1.35% to 0.85% as of today 1-26-15

Streamline refinance your FHA mortgage to lower your mortgage insurance today.
HUD just recently reduced the monthly mortgage insurance premium from 1.35% of the loan amount to 0.85% of the loan which could be a substantial monthly savings for you if you were to Streamline your FHA mortgage right now. 
The FHA Streamline program does not require an appraisal and in many cases no income or credit qualifying.  The new loan amount is not any higher than your current loan amount so this is a … (1 comments)

sheryl arndt: Got Real Estate? Call to qualify in minutes, CA ONLY. - 01/19/15 09:06 AM

WHY RENT when you can own paying less than rent in many cities? 
You can qualify for an FHA mortgage with a minimum 500 fico with 10% down or FHA 3.5% down or as low as 1/2% half percent down with a minimum 580 fico score in California. You can buy your rural dream home with Zero Down USDA Rural with a minimum 580 fico score unless your a Veteran then there is a no fico score requirement.
Your credit scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary. It only takes a few minutes to … (2 comments)

sheryl arndt: Who has credit issues and been denied a purchase loan in CA only? - 01/19/15 08:35 AM

Have you been declined or have credit issues?
We can help with credit repair and work directly with the bureaus to get items cleaned up within a few days to a 45 day fico repair at no cost.
Our FHA loans are available from minimum 500 fico with 10% down,  minimum 580 fico score FHA 3.5% down, FHA 1/2% down with minimum 580 fico, Zero down if you are a Veteran or have a minimum 580 fico score and use the USDA Rural purchase loans.
You may consider 3% down conventional from a minimum 620 fico score or even 5% … (0 comments)

sheryl arndt: How Do I Qualify for a home loan in CA? Call Me to qualify in minutes. - 01/19/15 08:24 AM
How Do I qualify for a home loan in CA? 

How do I qualify for a home loan? Qualify in minutes...
Yes, It all depends on your fico scores, amount you want to invest into the down payment, closing costs and debt to income ratio's. It only takes a few dozen questions to qualify you in minutes.
Once you turn in all these needs list documents to process a loan approval, you will be issued a Pre-Approval Letter or DU Approval to be able to buy a home of your choice.
You can then get out shopping and submitting offers for the home of your … (0 comments)

sheryl arndt: CHF ACCESS Downpayment Assistance Program for CA - 01/08/15 07:19 AM


This is an FHA home loan structured to help the low to moderate income to be able to purchase a home with minimal out of pocket with the minimum of 580 Fico Score.
If you are short of down payment and or closing costs, this is the program to assist with down payment and closing cost with premium financing.
This loan program is available thoughout California.
Sheryl Arndt, Sr. Loan Officer NMLS# 297251
Program highlights Down Payment and/or Closing Cost Assistance   Not Limited to First-Time Homebuyers Purchase of Primary Residences Only Available in Conjunction with 30-year fixed rate mtg. 
Fixed-rate FHA, VA … (1 comments)

sheryl arndt: Do you need help getting a home loan approval in CA? - 01/08/15 04:14 AM


We can help with credit repair/advice and assistance at no cost.
You will need a minimum of 580 fico to qualify for 1/2% down purchase loan anywhere in CA.
You may qualify FHA with fico scores between 500-579 with 10% down but with a minimum 580 fico scores may qualify for 3.5% down or as low as .5% half percent down payment programs.
We can get your fico scores up within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
 
You may consider 3% down conventional from a minimum 620 fico score and even 5% … (0 comments)

sheryl arndt: Stated Income Loans are BACK! - 12/31/14 01:14 AM
STATED INCOME LOANs are BACK! 8-13-2014
Yes the stated income loans are back again. You may qualfiy with a minimum 700 fico score and minimum 20% down for a truly stated income with verified assets, SIVA loan. This is currently available for self-employed only but will open the guidelines very soon to others. It only takes a few dozen questions to qualify and go over your options.
I also assist agents/brokers and their clients throughout CA only. If you have any questions, feel free to call or email anytime.
STATED INCOME LOAN
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
REO … (1 comments)

sheryl arndt: The Road To The Perfect Purchase Loan! Sheryl Arndt - 12/30/14 10:52 AM
 

 The Road To The Perfect Purchase Loan!  Sheryl Arndt 760-486-4225
What are the loan program perimeters you are trying to fit?
 
What are your fico scores? Are you looking for FHA, Conventional, USDA Rural loans? Are you a Veteran? I am a Navy Veteran. Are you looking for a low out of pocket expense loan? Are you looking for a zero down payment program loan?                   Do you want the lowest interest rate? Do you want to buy and include your closing costs in the rate? Do you have a large down payment? Do you have good, bad or … (2 comments)

sheryl arndt: RENT vs BUY Options. - 12/30/14 07:02 AM

RENT vs BUY, Do you need RENT vs BUY listings emailed to you to study and compare? What cities are you considering, the minimum number of bedrooms and the maximum payment/price your looking to achieve?
I can set you up to receive automatic emails updated daily with new rental listings as they come available to study and compare that fit your search criteria.
You may even qualfiy to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or even as low as .5% half percent down payment program. You may … (2 comments)

sheryl arndt: Do You Have Down Payment and Closing Cost Hurdles? - 12/30/14 06:54 AM
Do you have Down Payment and Closing Costs Hurdles?

Do you have down payment and closing costs?
If not, you may consider CHF Access or CHDAP which are half percent down payment programs. CHF Access requires a minimum 580 fico score to qualify and CHDAP requires a minimum 640 fico score. Each program can contribute towards your closing costs as well. 
It only takes a few dozen questions to qualify in minutes. Conventional vs FHA?
I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify. You may qualify to buy with minimum … (0 comments)

sheryl arndt: Zero Down Payment Home Loans - 12/30/14 06:35 AM
ZERO DOWN PAYMENT HOME LOANS 
VA / CalVet or the USDA Rural home loans

I am a Veteran and specialize in VA/CalVet home loans or the USDA Rural purchase loan and many other loan programs to fit your financial needs. 
You have to be a Veteran or surviving spouse of a Veteran to qualify for VA or CalVet. Most lenders have a minimum fico score requirement for VA but there is no fico score requirement for VA or CalVet. VA is more strict in there guidelines and credit requirements but CalVet does manual underwriting for the tougher credit issue files. I can analyze your credit reports … (0 comments)

sheryl arndt: Pre-approval's in minutes 760-486-4225 - 12/30/14 06:11 AM
PRE-APPROVAL IN MINUTES
 
It only takes a few dozen questions to qualfiy you in minutes and go over your credit and options. You will also need to provide copies of these documents on this needs list to process a loan approval, DU Approval or pre-approval letter to get out shopping for a home of your choice. You can fax the needs list items to my secure efax 760-400-3038 which goes directly to my email or scan and email to HomeLoans4U@Live.com or Under640FicoScoreLoans@gmail.com
You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as … (0 comments)

sheryl arndt: How Do I Qualify for a home loan in CA? - 12/30/14 05:59 AM
How Do I qualify for a home loan in CA?

How do I qualify for a home loan? Qualify in minutes...
Yes, It all depends on your credit profile, debt to income ratios, fico scores and the amount you want to invest into the down payment and closing costs. It only takes a few dozen questions to qualify you in minutes and go over your options.
Once you turn in all these needs list documents to process a loan approval, you will be issued a Pre-Approval Letter or DU Approval to be able to buy a home of your choice.
You can then get … (0 comments)

sheryl arndt: Which loan is right for me? FHA or Conventional loan? - 12/30/14 02:36 AM
Which loan is right for me? FHA or Conventional?
What are your fico scores? This loan choice is all going to depend on what your credit profile, fico scores, debt to income ratios and how much you want to invest into the down payment and closing costs will be?
*As low as 0, .5% down, (half percent down), 3%, 3.5%, 5%, 10%, 15%, 20% down and up to invest towards the down payment and closing costs.
The minimum fico score required to qualify for an FHA loan is between 500-579 requires 10% down. If you have a minimum 580 fico score, you may … (0 comments)

 
Sheryl Arndt

Sheryl Arndt

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Fax: 760-400-3038

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