Half Percent Down purchase loan

Sunday, December 30, 2012

CHF ACCESS or CHDAP 1/2% down payment assistance programs

CHF ACCESS or CHDAP?

1/2% Down Payment Assistance Programs, Which one is for me?

These programs are designed to assist those who haven't saved the standard minimum FHA 3.5% down payment and would like to buy a home now. These programs are for the low-to-moderate income families to assist their home purchase. The CHDAP requires a minimum 640 fico score to qualify and has a silent second, no payment, 3% second mortgage to keep your mortgage payment affordable. This loan will have to be paid back when the homes is sold or refinanced. The CHF ACCESS program requires a minimum 580 fico score or NO FICO Score and which can contribute towards closing costs. This loan has a nominal payment on the 3% second loan due monthly on a 15 year ammortized loan. Both programs do no have a pre-payment penalty for the first or second loan. Premium financing can also be used to cover a portion of the closing costs on either program. There are income limits for each program as well as different guidelines, perks, etc. as you will find in the links below to study.
CHDAP FHA income limits or CHDAP VA, USDA or Conventional income limits and also the
CHF ACCESS income limits.

The CHDAP interest rates are better than the CHF Access rates as can be expected due to the fico requirements for each program. You may also consider to qualify for CHDAP Conventional financing with NO DOWNPAYMENT with a minimum 680 fico score. If you opt for CHDAP, you will have to remain owner occupied the whole term of the loan until you sell or refinance.
CHF Access allows you to rent out your home after one year owner occupied.

I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify for loan programs, rates or terms. I can raise fico scores within 3-4 days in most cases. It only takes a few dozen questions to qualify in minutes for the many loan programs I offer.
Why rent when you can buy with little or no money out of pocket?

CONTACT ME or APPLY NOW APPLICATION
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
760-486-4225
9am till 9pm 7 days
http://www.Under640FicoScoreLoans.com

Frank & Sheryl, CHF Access, CHDAP, Stated Income, Jumbo, 203k, FHA, Conventional, USDA Rural, VA, CalVET,, High Balance, Conforming, Portfolio Loans by Sheryl Arndt, Sr. Loan Officer, Under 640 Fico Score Loans by Frank Shaw, Youtube Video

Tuesday, September 18, 2012

Do YOU need Under 640 Fico Score Loans?

Do you have fico scores under 640? No problem, we specialize in Under 640 Fico Score Loans. Most Lenders require 620-640 fico scores. We offer loan programs from fico's between 500-579 with 10% down and only Half Percent Down with CHF Access with a minimum 580 fico score. We also offer a home loan if you have NO FICO SCORE, although you will need alternative credit to qualify. (Rent, car insurance, utilities, cell phone, rental furniture, day care, etc.

We assist many first time home buyers in the process of home ownership.
We only need a few minutes of your time to ask a few dozen questions to pre-qaulify you and determine your purchase power and how much you qualify for. Then we will need the documentation to verify and issue a pre-approval letter or DU, Desktop Underwriting, approval. We can have you out shopping for the home of your choice in the same day if you have this Needs List together. We will start you out with an email of listings fitting what criteria your looking for in a home. If you are out of area, we have associate Real Estate Agents, Brokers spreaded throughout California to accomadate furnishing listings, showing and negotiating offers at your convenience.

This is a tough market with interest rates and home prices at record lows so we have to be aggressive. We will offer homes of all catagories to get you into escrow. Sometimes there is a lot of competition on the turn key homes and you may want to also submit offers on homes in need of carpet or paint and get it done after the close to add more odds of getting an offer accepted and into the home of your choice. We also offer 203k loans that allow repairs, remodeling of a home to what you want before you move in and without any payments until you move in up to 6 months. Give us a call and let's get you approved and out shopping today. I provide home loans throughout California. You Have Nothing to Lose and EQUITY to GAIN!

CHF Access Half Percent Down Payment Flyer

Sheryl Arndt, Broker/Loan Officer business card

http://www.under640ficoscoreloans.com/

Sunday, May 15, 2011

Brokers, Realtors Loan Help Questions

Do you have clients that have any credit issues? I offer credit repair advice at no cost to raise fico scores to qualify. If their fico is between 500-579, they will need 10% down. If they have a minimum 580 fico score, they may qualify for CHF Access half percent down payment assistance program. Call to pre-qualify them in minutes. Let's get your clients approved and submitting offers today. There is documentation required for pre-approval and DU Approvals. Let's chat...

Under 640 Fico Score Loans

ANY QUESTIONS? Contact me, Sheryl Arndt

Sunday, February 13, 2011

Serving Californians, Realtors, Agents, Brokers...

I Offer Pre-Approval letters or DU Approval in minutes with documentation required. Zero Down VA or USDA Rurral, Half Percent Down CHF Access, No fico score OK, Low as 500 Fico Score OK, Victorville, Woodland Hills, offices Providing Home Loans for all of California. Questions, call to ask and get answers and loan approval to get your clients out shopping today...

Sheryl Arndt, standard needs list

Sheryl Arndt, business card

CHF Access Half Percent Down Flyer

Under 640 Fico Score Loans

Half Percent Down FHA CHF Access purchase loan

Easy to qualify, FHA 4155 guidelines, No Fico Score OK, Low Fico as 580 OK, Foreclosure 3 yrs OK, Bankruptcies 2 yrs OK, All CA qualifies for half percent downpayment CHF Access home loan. We advise or assist in repair of any credit issues for our clients at no charge. Call, comment, email to begin, see if you qualify! We also have loans for as low as 500 fico score. We can help!

CHF Access half percent down flyer