CalHFA Financing

Borrower must meet the following requirements:

The CalHFA FHA offers financing up to 105% of the purchase price or appraised value whichever is less. To make buying a home more affordable, down payment and closing cost assistance may be obtained when combining this CalHFA first mortgage with CalHFA junior loan programs.

No first time home buyer requirement however you cannot own any other homes at the close of escrow. Minimum FICO score 640 or 660 for Manufactured Homes. First time homebuyer course must be completed and certificate signed, then delivered to us. Borrower must be a U.S. citizen, permanent resident alien or other qualified alien.

Existing single family, one-unit residence, including condominium/PUDs and Manufactured Housing(Certain Restrictions Apply) Leaseholds/Land Trusts are not allowed with this program.

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GSFA Open Door Financing

Borrower must meet the following requirements:

Borrower must occupy the residence as their primary residence; non-occupant co-borrowers are not allowed. Borrower income cannot exceed GSFA income limits for the county in which the property is located: 120% Area Median Income (AMI). Refer to www.gsfahome.org Minimum Credit Score of 620.

Meet all required Conv, FHA, VA, USDA-RHS underwriting criteria.

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