Home Mortgage Programs and Guidlines

*"Your Next Step In Mortgage Lending"*			Fresno Mortgage LOAN PROGRAMS

SINGLE FAMILY (1-4 units)

Conventional Loans
- Conforming ($417,000 or less)
- Super Conforming (up to $625,500 in eligible counties)
- Jumbo (above Conforming limits)
- Super Jumbo (over $650,000)
- Non-Conforming (specialty programs)
- A-, Sub-Prime, Hard-Money (bad credit)
Federal Government Loans
- FHA (Federal Housing Admin.)
  - 203(b) Low Down
  - 203(k) Rehabilitation
  - $100 HUD Repo
  - Reverse Mortgage for Purchase
- VA (Veteran's Administration)
  - 100% Financing ($417,000 or less)
  - Jumbo VA (over $417,000)
- USDA (Rural Development)
CA State Government Loans
- Cal-HFA (Housing Fianance Assistance)
- Cal-STRS (CA Teachers)
- Cal-PERS (CA Public Employees)
- Cal-Vet (US Veterans)

ADD-ON PROGRAMS & 2nd's

Government Programs

US Federal Programs

Mortgage Credit Certificate (M.C.C.)
Not currently funded by Fresno County.
HOME Funds

CA State Programs

Cal-HFA CHDAP

City & County Programs

Fresno City CalHome Mortgage Assistance

Private Programs

None currently available

OUR SPECIALTY PROGRAMS

Investment Properties (NOO)
Apartments (5+ units)
Interest Only Payments
Second/Vacation Homes
Employer Relocation
HECM Reverse Mortgage

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

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LOAN PROGRAMS