First Time Homebuyer Specialist for your Mortgage and Home!

Mortgage and Lending NMLS#297251 BRE#01140252

First Time Homebuyer? We are Specialists for your mortgage and your home!
First Time Homebuyer Specialists
Are you a first time homebuyer?
You are a first time homebuyer if you haven't owned a home in the last three years.

Are you pre-approved to buy a home yet?
Qualify in minutes.

Do you have funds saved for down payment and closing costs? It only takes a few dozen questions to qualify you in minutes for the many loan programs I offer. I offer loan programs from minimum 500 fico score and up.

Let's go over a few dozen questions to know what your debt to income ratios are and what your purchasing power is and how much you qualify for?

I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify for programs, rates and terms as applicable. You may qualify for zero down USDA Rural or as low as half percent down payment programs from a minimum 580 fico score. The down payment and/or closing costs assistance programs allow you to buy with minimum out of pocket expenses.

You may qualify for conventional financing from a minimum 620 fico score and from as low as 3% down or even 5% down payment with NO Mortgage insurance (Lender paid MI) for a primary residence purchase.

Self Employed?
You may qualify for the Stated Income Loans or 12-24 month bank statement program if your statements show enough cash flow to support your purchase power. It only takes a few dozen questions to qualify and go over your options depending on your individual circumstances.

Here is a needs list to gather for processing a loan approval. You will need to have these documents to receive a pre-approval letter or DU Approval letter to get out shopping for and submitting offers on the homes of your choice. You may qualify for programs from Zero Down USDA Rural, CHF Access half percent down, 3.5% down, 5% down, 10% down, 20% down and up. It all depends on what your fico scores and how much you want to invest into the down payment and closing costs.
Here is a Loan Application or Contact Me or call to qualify in minutes. 760-486-4225

P.S. Congratulations you are a first time home buyer if you lost a home/condo/townhouse previously and have not owned a home in the last 3 years. You may qualify conventional ONE DAY after a short sale, foreclosure or deed in lieu with a minimum 660 fico score and 20% down. You may qualfy FHA ONE YEAR from a BK, short sale, foreclosure or deed in lieu from a minimum 580 fico score and 3.5% down payment program.

Here are a few links to study on Conventional vs FHA loans.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
REO & Short Sale Specialist
Credit Repair At No Cost
20+ Years Experience
DRE# 01140252
NMLS# 297251

9am till 7pm Monday thru Saturday, Sundays by appt.  



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