I’m excited the NHF CHF 3% Platinum California home buyer assistance grant program (down payment assistance) has funds available again for qualifying home buyers. CHF’s mission is to increase responsible home ownership throughout California by providing down payment assistance to both second time move up buyers and first time home buyers. Do this ==> 3% [...]
About Brad Yzermans
Brad is a recognized local FHA, VA, USDA HARP Mortgage Expert helping people qualify to purchase, refinance into a better mortgage, and more importantly, understand ALL of their loan options...including down payment/closing cost assistance. Contact Brad with your scenario or question by email: brad@homeloanartist.com or direct: (951) 215-6119.
USDA Rural Streamline Refinance Pilot Program – Guidelines
The USDA Rural Housing Guaranteed home loan program announced a new USDA Streamline Rural Refinance Pilot program to make refinancing easier and faster. Why the changes? It’s part of President Obama ‘s plan to help reward responsible homeowners. The new USDA streamline refinance pilot program will give California homeowners the opportunity to reduce their interest [...]
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Approved HARP 2 Refinance Lender in California
With President Obama’s recent changes to the Home Affordable Refinance Program (HARP) t0 help more people refinance into a lower interest rate, it’s unfortunate many mortgage lenders/brokers in California choose NOT to offer the new HARP refinance DU Refi Plus or the Relief Refinance-Open Access loan program. Approved HARP 2 Mortgage Lender & Broker in [...]
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Extenuating Circumstance to Buy After BK, Foreclosure or Short Sale
To qualify for a mortgage and buy again soon after a foreclosure, short sale, or bankruptcy, an acceptable extenuating circumstance is needed. If you don’t have an acceptable extenuating circumstance, you need to either wait-it-out, purchase a home with all cash, or come up with a large 35-50% down payment and find a private/hard money [...]
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Qualify and Buy a Home Again After a Short Sale in California
Qualifying for a mortgage to buy a home again after a short sale in California is something you should plan for before you short sell your home. In California, the required waiting period or how soon you can buy again after your short sale will depend on the mortgage loan program you qualify for. It’s [...]
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FHA 90 Day Flip Waiver Guideline Extended to Dec. 31, 2012
In timely fashion (7 days to expiring), HUD has extended their 90 day flip waiver through December 31, 2012. What’s The Big Hairy Deal? Prior to February 1, 2010, HUD/FHA did not allow a home buyer to use an FHA loan when buying a home from an investor who bought a home, did repairs/renovations, and [...]
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2012 VA County Loan Limits in California Reduced!
The 2012 VA loan lending limit in many California high cost counties has been reduced significantly from last year, but still allows for 100% zero down payment home financing. The new high cost county VA loan limit ranges between $417,000 and $625,500 in California when making zero down payment. VA doesn’t actually impose a maximum [...]
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