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UNDER 640 FICO SCORE LOANS

ZERO DOWN & HALF PERCENT DOWN PURCHASE LOANS
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First Time Homebuyer
CHF ACCESS 1/2% Down, Half Percent Downpayment Program throughout CA.
 
- EFFECTIVE 8-15-2013 -
 
QUALIFY FHA ONLY 1 YEAR AFTER BK, SHORT SALE, FORECLOSURE OR DEED
 
IN LIEU
 
CHF Access offers up to 99.5% financing designed to increase homeownership opportunities for low-to-moderate income individuals and families in California
 
Owning a home may be easier than you thought possible with the CHF ACCESS Down Payment Assistance Program. The Program is designed to assist low-to-moderate income homebuyers with the purchase of a home, by providing a means to finance most of the associated down payment.
 
The Program combines a 30-year fixed interest rate FHA First Mortgage Loan with down payment and/or closing cost assistance from CHF in the form of a low fixed interest rate Second Mortgage, making combined financing up to 99.5% of the purchase price possible. It is available for purchases of both new and existing homes, as long as the home will be the primary residence of the homebuyer, and does not require that the homebuyer be a first-time homebuyer.
 
Those who may have owned a home in the past are still eligible to apply for CHF ACCESS half percent down payment program.
 760-486-4225
*You may also currrently own a home and rent it out and buy another one even if you are upside down in value.
Standard FHA 4155 underwriting and appraisal guidelines apply towards the purchase,
Minimum 580 Fico or No Fico score may qualify.
 

CHF Access Program - Income Limits                          FHA Mortgage Loan Limits by County 

CHF Access flyer                           CHF Access tri-fold brochure

 

LOAN PROCESSING NEEDS LIST, STANDARD CHECKED


High Balance minimum 600 fico score from $417k up to FHA Loan limits

 

CHF Access requires a minimum 580 fico score up to $417,000 conforming loan limits.

CHF Access Jumbo from $417,000 up to maximum FHA loan limits, which requires a minimum 600 fico score.


CHF Access Program requires a minimum 580 fico score to qualify. You may also qualify with NO FICO SCORE!

 

Pay your own closing costs or ask about premium financing which can minimize your out of pocket closing costs expenses and get your offer accepted today. So depending on how much you want to invest into the down payment and closing costs, is going to influence which program will benefit you the best financially. Questions: 760-486-4225

 

Here is an example of various down payment programs and interest rates and payments @ 400k and minimum 700 fico score. The closing costs are approximately $9,000 with all of these programs.  

 

Loan 400k FHA CHF ACCESS $2,000 down 3.75% 30 yr FHA fixed rate $2,814.08 PITI, APR 4.42%, Closing costs $9k

Loan 400k FHA 3.5% down $14,000 down 3.25% 30 yr FHA fixed rate $2,648.04 PITI, APR 3.90%, Closing costs $9k

Loan 400k Conv 3% down $12,000 down 4% 30yr Conv fixed rate $2,744.71 PITI, APR 4.24%, Closing costs $9k

Loan 400k Conv 5% down $20,000 down 3.75% 30 yr Conv fixed rate $2,632.18 PITI, APR 3.98%, Closing costs $9k

Loan 400k Conv 20% down $80,000 down 3.75% 30 yr Conv fixed rate $2,018.64 PITI, APR 3.83%, Closing costs $9k

 

 

 


We provide Home Loans for ALL CA. Counties and Cities and also have Real Estate Associates

through out CA to assist you in Home Buying.

 

We offer FHA CHF Access Half Percent Downpayment Program through out ALL CA Counties and Cities:


Sheryl Arndt, Broker/Sr. Loan Officer is 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, 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,