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






Eric Gausepohl and Matt Gausepohl
NMLS# 371291 | NMLS# 328382

Huntington Beach Location
2130 Main Street Suite 110
Huntington Beach, California 92648

Temecula Location
28581 Old Town Front Street, Ste 108
Temecula, CA 92590

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