The California FHA Streamline refinance loan program is primarily designed to reduce the interest rate and payment for current FHA mortgage borrowers and simplify (streamline) the refinancing process using common sense qualifying guidelines. An FHA insured streamline refinance is easier to qualify for than a regular FHA loan. Streamline FHA Refinance – Key Features & [...]

Compare CHDAP, Platinum, ACCESS Down Payment Assistance Programs – Which is Better?
Home buyer down payment assistance programs such as CalHFA’s CHDAP, CHF Platinum Grant, and the CHF ACCESS program are three of the most popular first time home buyer assistance programs in California. The CHDAP, Platinum, and ACCESS program all provide 3% assistance that can be applied towards meeting FHA’s 3.5% minimum down payment requirement. Sounds [...]

HARP 2 Interest Rates to Refinance a Mortgage in California
Current HARP 2 interest rates to refinance a mortgage in California today are very low. How low? Low low…..much lower than an the existing interest rate for someone who eligible for the HARP 2 refinance program. Common question: Are today’s HARP 2 interest rates the same as if someone is buying a home with a [...]

Platinum CA Home Buyer Assistance Grant Funds Available Again
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% [...]

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 [...]

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 [...]

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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Brad is a licensed FHA, VA, USDA Mortgage Professional. CA DRE #01810137 - NMLS #315238.
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