Special offer

Pre-approval's in minutes 760-486-4225

Mortgage and Lending NMLS#297251 BRE#01140252


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

ou 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 .5% half percent down payment Access program. You may also consider another CHDAP .5% half percent down payment program from a minimum 640 fico score with a silent second mortgage with no payments until you sell or refinance. You may consider the USDA Rural Zero Down purchase loan for the out of city limit home purchases or cities with less than 25k residents with a minimum 560 ficos score.

You may qualfiy for 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) from a minimum 620 fico score. Otherwise, you will need 20% down to qualify for conventional financing with NO Mortgage insurance.

*You may qualify conventional ONE DAY after a short sale, foreclosure or deed in lieu with 20% down and minimum 660 fico score. You may qualify FHA ONE YEAR from a BK, short sale, foreclosure or deed in lieu with a minimum 580 fico score and 3.5% down payment program.

(FHA financing no longer offers no mortgage insurance options as the mortgage insurance is now for the life of the loan.)

I specialize in Over and Under 640 Fico Score Loans and offer credit repair advice at no cost to raise fico scores to qualify for programs, rates and terms as necessary. I can raise fico scores directly with the bureaus within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

Self employed buyers may qualify for Stated Income Loans or a 12-24 month bank statement program. It only takes a few dozen quesitons to qualify and go over your options.

Once I receive the items on the needs list and ask a few dozen questions I can issue the pre-approval letter within minutes/24 hours depending on urgency. Give me a call at your convenience for a few minutes of your time for your loan approval letter today to get out shopping for a home of your choice. I also have associate agents throughout CA to assist my clients with showing you homes of your choice.

If you let me know which cities/zip codes your considering, the minimum number of bedrooms and the maximum payment your looking to achieve, I can set you up to receive automatic emails daily to fit your search criteria. My team and I look forward to assisting you in your home purchase and hope to see you in escrow real soon. Any questions, feel free to call me anytime.

Pre-Approval Application

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only

REO & Short Sale Specialist 

Credit Repair At No Cost

ALL Loan Programs Available

20+ Years Experience

BRE# 01140252

NMLS# 297251


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