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1/2 Percent Down Program
HELP Program
Down Payment: ½ Down
Minimum FICO: 640
Eligibility: Does not Have to be a First Time Homebuyer
Max Income Requirements: http://www.calhfa.ca.gov/homeownership/limits/income/income-FHATA.pdf 120% of the income stated
Second Lien: 3% Second 15 Year amortized at 8.5%
Residency: Approved Condo, SFR and PUDs
CHDAP Program
Down Payment: ½ Down
Minimum FICO: 640
Eligibility: Must be a First Time Homebuyer ( cannot have owned a home in the last 3 years )
Max Income Requirements: http://www.calhfa.ca.gov/homeownership/limits/income/income-moderateFHA.pdf
Second Loan: 3% Second (Silent Second No Payment required) must be paid off when 1) property transfers 2) Property is sold 3) Property is refinanced
Residency: Approved Condos, SFR and PUDS
Eric & Matt Gausepohl
Director of Sales/Product Development
800-774-7650
NMLS#339252