NO MONEY DOWN!!! 
GOVERNMENT GRANT PROGRAMS AVAILABLE NOW

SAPPHIRE PROGRAM HIGHLIGHTS

1. FHA 1^ST LOAN WITH A 5% GRANT CAN BE USED FOR CLOSING COST, DOWN PAYMENT OR ORIGINATION.
2. INCOME REQUIREMENTS APPLY
3. FUNDS FORGIVEN – NO RECAPTURE- NO REPAYMENT
4. SFR, PUDS AND APPROVED CONDOS
5. MINIMUM CREDIT SCORE 640
6. OWNER OCCUPIED PROPERTIES ONLY
7. MAXIMUM LOAN AMOUNT $417,000 OR WHATEVER THE FHA LIMITS IN THE COUNTY
8. MUST BE A FIRST TIME HOMEBUYER (NO HOMEOWNERSHIP IN THE LAST 3 YEARS)

CALHFA

1. FHA 1^ST LOAN WITH A 3% SILENT SECOND WITH DEFERRED INTEREST OF 3% ALONG WITH A THIRD OF UP TO 5% THAT WILL BE FORGIVEN AND CAN BE USED FOR CLOSING COST
2. INCOME REQUIREMENTS APPLY
3. SFRS, PUD AND APPROVED CONDOS
4. MINIMUM CREDIT SCORE 660
5. OWNER OCCUPIED ONLY
6. DOES NOT HAVE TO BE A FIRST TIME HOME BUYER
7. LOAN AMOUNTS ARE DETREMINED BY COUNTY CAN EXCEED $417,000

NMLS# 371291