FHA
- Minimum 3.5% Down Payment
- Upfront Mortgage Insurance can be Financed
- Income Earning Property Allowed (up to 4 units)
- Gift Funds Allowed
- Co-Signer Allowed
- Must Be Owner Occupied
USDA
- Eligibility is Geographically & Income Driven
- 100% Financing Available
- Do Not have to be a First Time Homebuyer, but Cannot Currently Own
- Another Property
- SFR Only – No Income Earning Property
- No Reserves Required
- Gift Funds Allowed
- Must Be Owner Occupied
Conventional Loans
- Minimum 3% down (First-time home buyers)
- Gift funds allowed for owner occupied options
- Co-signer allowed
- Investment property options available with 20% down
VA & Cal Vet
- For Veterans Only
- 100% Financing Available
- Pest Inspection & Clearance Required
- No Monthly Mortgage Insurance
- One Time Upfront VA Funding Fee can be Financed
- Seller can Pay All Closing Costs
- Must Be Owner Occupied
Rehabilitation Loans and first-time homebuyer programs available, call us for special options!