"Your Next Step In Mortgage Lending"			FHA 203(k) Program

GOVERNMENT GUARANTEED LOAN PROGRAM PROVIDES UP TO  $35,000 IN EXTRA LOAN MONEY FOR HOME REPAIRS AND UPDATES   Purchase -OR- Refinance We will loan you up to $35,000 in extra money to make repairs and upgrades AFTER close of escrow. Low, FHA 30 year fixed interest rates Owner occupied, primary residence only $5,000 to $35,000 in extra loan money No geographic restrictions No income restrictions Bankruptcy must be discharged two years All accounts paid as agreed for 12 months Close now, fix later Purchase with only 3.5% down payment. Not required to be a first time buyer A general contractor is not required Architectural exhibits are not needed. Foreclosure must be over three years old   You pick any home you want to buy and don't worry about the condition. AFTER you close escrow on your new home, any appraisal, pest inspection, health and safety requirements will be completed plus all the upgrades and cosmetic changes you decide to make!   Update existing homes to feel like a new home without the new home price. Make accessability improvements for people with disabilities. Replace worn out carpet and flooring. Install or rehabilitate old cabinets. Enjoy fresh new modern kitchen and bathroom fixtures. Design your own gourmet kitchen. Protect your investment with a new roof. Get well deserved new appliances for the kitchen and laundry. Freshen and update with new paint. Save money and reduce noice with new energy efficient windows and doors. Add or repair decks and patios. Save money with new energy efficient heating and cooling systems. Add security with fence repairs and an alarm. Refinance can be with no out-of-pocket cost at all. Repair and upgrade plumbing and electical systems. Create your very own Master Suite. Make swimming pool & pool equipment repairs. Save money and stay cool with new ceiling fans. Install new carpet, tile or wood flooring. NOT for investment properties NOT for refinance of home with no equity. NOT for cash out. NOT for debt consolidation.

Questions?     Call TODAY - (559) 446-2880 Seriously!  We love talking to people and answering questions.

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