SERVING CALIFORNIA ONLY.
- EFFECTIVE 8-15-2013 -
QUALIFY FHA ONLY 1 YEAR AFTER BK, SHORT SALE, FORECLOSURE OR DEED IN LIEU
FHA vs Conventional, Zero Down or Half Percent Down, 20% Down? Fico Score's?
What are your income, assets, credit qualifications? These are deciding factors for a home loan. We will offer you the choices that fit your needs. Loan programs, down payment, mortgage rate and terms to fit what your looking for in a mortgage. We offer all of the programs available today. Sheryl Arndt, Frank Shaw are Your Under 640, 620, 580 Fico Score Loans Specialist. We are first time homebuyer specialists.
Don't Hesitate. The time is right, The time is now to Invest in Real Estate
You Have Nothing to Lose and EQUITY to GAIN.
Call me for what you need for your loan approval. Are you ready for loan approval today?
You must have this needs list
of documents for loan approval. What are you waiting for?
Loan Approval in minutes with the loan program to fit your financial needs. Buy Today!
Home Prices are on the rise, don't miss the boat. Invest today...
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 very simple process to accomplish this savings. Rates are very good right now too. Please let me know if you have any questions. CONTACT ME
If you would like a "cash out" refinance
It will all be determined by your credit profile, debt to income ratios, fico scores, LTV, loan program choice and rate and terms.
You may even have enough equity to refinance to a conventional loan with NO Mortgage insurance at all.
- EFFECTIVE 8-15-2013 -
QUALIFY FHA ONLY 1 YEAR AFTER BK, SHORT SALE, FORECLOSURE OR DEED IN LIEU
FHA Loans Give Homebuyers More Options!
The FHA mortgage can make your homebuying dream a reality with competitive rates and a low down payment.
The FHA Loan Offers
- Minimum 500 fico score may qualify 10% down
- Minimum 580 fico score may qualify 3.5% down or as low as 1/2% down with CHF Access
No Pre-payment Penalty
Competitive, conforming interest rates
Very low down payment which can be a gift
Payment includes taxes and insurance
Accommodates lower credit scores
Available for SFR, condo, duplex, 3-4 units
Seller can pay 6% closing costs, prepaids
No Fico Score with alternative credit Ok
BK 2 yrs Ok
Foreclosure 3 yrs Ok
Easier guidelines to qualify
- Up to $417k and Jumbo FHA Loan Limits
Minimum 600 fico score for High Balance Jumbo Loan
Call Sheryl Arndt, Frank Shaw,
Mortgage Consultants for a free consultation or
MINIMUM 500 FICO SCORE TO QUALIFY FHA
Inquire about FHA StreamLine Refinance rates today
We are first time homebuyers specialists.
Providing Home Loans for: Los Angeles County, Agoura Hills, Alhambra, Arcadia, Artesia, Azusa, Baldwin Park, Bell, Bell Gardens, Bellflower, Beverly Hills, Bradbury, Brentwood, Burbank, Calabasas, Carson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada-Flintridge, La Habra Heights, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lawndale, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whittier, Madera County, Chowchilla, Madera, Marin County, Belvedere, Corte Madera, Fairfax, Larkspur, Mill Valley, Novato, Ross, San Anselmo, San Rafael, Sausalito, Tiburon, Mariposa County, Mendocino County, Fort Bragg, Point Arena, Ukiah, Willits, Merced County, Atwater, Dos Palos, Gustine, Livingston, Los Banos, Merced, Modoc County, Alturas, Mono County, Mammoth Lakes, Monterey County, Carmel, Del Rey Oaks, Gonzales, Greenfield, King City, Marina, Monterey, Pacific Grove, Salinas, Sand City, Seaside, Soledad, Napa County, American Canyon, Calistoga, Napa, St. Helena, Yountville, Nevada County, Grass Valley, Nevada City, Truckee, Orange County, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin , Villa Park, Westminster, Yorba Linda, Placer County, Auburn, Colfax, Lincoln, Loomis, Rocklin, Roseville, Plumas County, Portola, San Bernardino County, Adelanto, Apple Valley, Barstow, Big Bear Lake, Chino, Chino Hills, Colton, Fontana, Grand Terrace, Hesperia, Highland, Loma Linda, Montclair, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, San Bernardino, Twentynine Palms, Upland, Victorville, Yucaipa, Yucca Valley, Riverside County, Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Cathedral City, Coachella, Corona, Desert Hot Springs, Hemet, Indian Wells, Indio, La Quinta, Lake Elsinore, Moreno Valley, Murrieta, Norco, Palm Desert, Palm Springs, Perris, Rancho Mirage, Riverside, San Jacinto, Temecula, Placer County, Auburn, Colfax, Lincoln, Loomis, Rocklin, Roseville, Sacramento County, Folsom, Galt, Isleton, Sacramento, San Benito County, Hollister, San Juan Bautista, San Diego County, Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, Encinitas, Escondido, Imperial Beach, La Mesa, Lemon Grove, National City, Oceanside, Poway. San Diego, San Marcos, Santee, Solana Beach, Vista, San Francisco County, San Francisco,
Home Prices are on the rise in 2013 as they have already started to rise throughout CA. You may qualify for 3.5% down payment or as low as 1/2% down with minimum 580 fico score. Call to qualify in minutes.
Home Loans by Sheryl Arndt
Streamline Refinance and save thousands of dollars...
The FHA Streamline Refinance is designed to lower the interest rate on a current FHA Home Loan or convert a current FHA adjustable rate mortgage into a fixed rate. An FHA Streamline Refinance can be performed quickly and easily. It requires much less hassle and paperwork than a normal refinance including no appraisal, no qualifying debt ratios and no income verification.
Providing Home Loans for: San Joaquin County, Escalon, Lathrop, Lodi, Manteca, Ripon, Stockton, Tracy, San Luis Obispo County, Arroyo Grande, Atascadero, Grover Beach, Morro Bay, Paso Robles, Pismo Beach, San Luis Obispo, San Mateo County, Atherton, Belmont, Brisbane, Burlingame, Colma, Daly City, East Palo Alto, Foster City, Half Moon Bay, Hillsborough, Menlo Park, Millbrae, Pacifica, Portola Valley, Redwood City, San Bruno, San Carlos, San Mateo, South San Francisco, Woodside, Santa Barbara County, Buellton, Carpinteria, Guadalupe, Lompoc, Santa Barbara, Santa Maria, Solvang, Santa Clara County, Campbell, Cupertino, Gilroy, Los Altos, Los Altos Hills, Los Gatos, Milpitas, Monte Sereno, Morgan Hill, Mountain View, Palo Alto, San Jose, Santa Clara, Saratoga, Sunnyvale, Santa Cruz County, Capitola, Santa Cruz, Scotts Valley, Watsonville, Shasta County, Anderson, Redding, Shasta Lake, Sierra County, Loyalton, Siskiyou County, Dorris, Dunsmuir, Etna, Fort Jones, Montague, Mount Shasta, Tulelake, Weed, Yreka, Solano County, Benicia, Dixon, Fairfield, Rio Vista, Suisun City, Vacaville, Vallejo, Sonoma County, Cloverdale, Cotati, Healdsburg, Petaluma, Rohnert Park, Santa Rosa, Sebastopol, Sonoma, Windsor , Stanislaus County, Ceres, Hughson, Modesto, Newman, Oakdale, Patterson, Riverbank, Turlock, Waterford, Sutter County, Live Oak, Yuba City, Tehama County, Corning, Red Bluff, Tehama, Trinity County, Tulare County, Dinuba, Exeter, Farmersville, Lindsay, Porterville, Tulare County, Tulare, Visalia, Woodlake, Tuolumne County, Sonora, Ventura County, Camarillo, Fillmore, Moorpark, Ojai, Oxnard, Port Hueneme, Santa Paula, Simi Valley, Thousand Oaks, Ventura, Yolo County, Davis, West Sacramento, Winters, Woodland, Yuba County, Marysville, Wheatland, Alameda County, Alameda, Albany, Berkeley, Dublin, Emeryville, Fremont, Hayward, Livermore, Newark, Oakland, Piedmont, Pleasanton, San Leandro, Union City, Alpine County, Amador County, Amador City, Ione, Jackson, Plymouth, Sutter Creek, Butte County, Chico, Gridley, Oroville, Paradise, Calaveras County, Angels Camp, Valley Springs, Colusa County, Colusa, Williams, Contra Costa County, Antioch, Brentwood, Clayton, Concord, Danville, El Cerrito, Hercules, Lafayette, Martinez, Moraga, Orinda, Pinole, Pittsburg, Pleasant Hill, Richmond, San Pablo, San Ramon, Walnut Creek, Del Norte County, Crescent City, El Dorado County, Placerville, South Lake Tahoe, Fresno County, Clovis, Coalinga, Firebaugh, Fowler, Fresno, Huron, Kerman, Kingsburg, Mendota, Orange Cove, Parlier, Reedley, San Joaquin, Sanger, Selma, Glenn County, Orland, Willows, Humboldt County, Arcata, Blue Lake, Eureka, Ferndale, Fortuna, Rio Dell, Trinidad, Imperial County, Brawley, Calexico, Calipatria, El Centro, Holtville, Westmorland, Inyo County, Bishop, Kern County, Arvin, Bakersfield, California City, Delano, Kern County, Maricopa, McFarland, Ridgecrest, Shafter, Taft, Tehachapi, Wasco, Kings County, Avenal, Corcoran, Hanford, Lemoore, Lake County, Clearlake, Lakeport, Lassen County, Susanville,