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Your Key to Homeownership in California: The Chenoa Fund, with Professional Jason Whigham

When it comes to concerns attaining the American dream of homeownership, among the most substantial barriers potential house owners face is the down payment. Thankfully, support programs like the Chenoa Fund have made it their objective to turn that dream into a truth for lots of Californians. If you’re interested in buying a home in California, keep reading as we explore the Chenoa Fund, directed by our Chenoa Fund Specialist and skilled mortgage broker, Jason Whigham.

Understanding Down Payment Assistance and The Chenoa Fund.

Prior to we go over the specifics of the Chenoa Fund, let’s first understand the idea of Down Payment Assistance (DPA). DPA programs are developed to assist prospective house owners by offering funds for the down payment required when buying a house. This support considerably relieves the monetary burden of homeownership, making it a more obtainable objective for lots of.

One such program making waves in California is the Chenoa Fund. Developed by the Cedar Band Corporation, a federally chartered tribal corporation, the Chenoa Fund aims to increase budget friendly and sustainable homeownership opportunities for creditworthy individuals who discover it challenging to conserve for a deposit.

Key Features of The Chenoa Fund.

The Chenoa Fund stands out among DPA programs because of its unique functions and flexibility. Here are a few of the reasons it’s getting traction:.

Second Mortgage or Grant: The Chenoa Fund supplies down payment support in the type of either a second mortgage or a grant, depending upon the borrower’s requirements and certifications.

No Income Limits in Underserved Areas: While lots of programs have earnings restrictions, the Chenoa Fund doesn’t enforce such restrictions if the residential or commercial property remains in a Federal Housing Administration (FHA) designated underserved area.

Various Loan Options: The Fund supplies various kinds of FHA-insured loans, including the Chenoa Fund Edge Program and the Chenoa Fund Rate Advantage Program.

Navigating the Chenoa Fund with Jason Whigham.

The procedure of buying a home, even with the support of programs like the Chenoa Fund, can be made complex and frustrating. This is where an experienced Chenoa Fund specialist and mortgage broker like Jason Whigham comes in.

Jason has invested years directing prospective house owners through the complexities of the mortgage procedure. With his large knowledge of the Chenoa Fund, he’s preferably placed to assist you understand the program, evaluate if it’s the right suitable for you, and browse the application procedure.

Why Choose Jason Whigham as Your Mortgage Brokers and Chenoa Fund Specialist?

Choosing a mortgage broker is a vital choice in your home-buying journey. Here’s why Jason Whigham is your ideal partner:.

Experience and Expertise: With years of experience under his belt, Jason has a comprehensive understanding of the California property market. His expertise in the Chenoa Fund enables him to provide thorough assistance on this particular program.

Client-Centric Approach: Jason’s viewpoint is strongly rooted in the very best interests of his clients. He’s dedicated to comprehending your unique situation and needs, offering individualized recommendations, and guaranteeing you’re notified every action of the way.

Strong Network: Jason’s connections with local realtors, lending institutions, and Chenoa Fund officials enable him to enhance the application procedure and make sure a smooth and successful home-buying experience for his clients.

Steps to Accessing The Chenoa Fund with Jason Whigham

Embarking on your journey towards homeownership with the Chenoa Fund and Jason Whigham includes a couple of crucial actions:

1. Reach Out to Jason: Connect with Jason and established an initial consultation to discuss your situation, needs, and homeownership.


2. Review Your Eligibility: Jason will examine your monetary situation and credit history to determine your eligibility for the Chenoa Fund.

3. Choose the Best Program: If you qualify for the Chenoa Fund, Jason will assist you through the various loan programs to choose the one finest fit to your situation.

4. Application and Approval: Jason will stroll you through the application procedure, guaranteeing you understand and finish all essential documents. He will then communicate with all appropriate parties to speed up the approval procedure.

5. Homeownership: Once approved, Jason will assist coordinate the loan closing procedure. Prior to you understand it, you’ll be holding the keys to your brand-new home!

In conclusion, The Chenoa Fund, with its commitment to offering down payment support to those in need, has opened doors to homeownership that were once locked for lots of Californians. With the expert assistance of a specialist like Jason Whigham, browsing the complexities of this program and attaining your homeownership dreams can become a smooth and enjoyable journey.

Interested in finding out more about the Chenoa Fund and how it could assist you in your homeownership dreams? connect to Jason Whigham today—your partner in attaining sustainable homeownership in California.

Please note: This info is existing as of the date of publication. For the most existing info about The Chenoa Fund and other home purchasing choices, please seek advice from a certified mortgage broker.

Thankfully, support programs like the Chenoa Fund have made it their objective to turn that dream into a truth for lots of Californians. If you’re interested in buying a home in California, keep reading as we delve into the Chenoa Fund, directed by our Chenoa Fund Specialist and skilled mortgage broker, Jason Whigham.

Prior to we go over the specifics of the Chenoa Fund, let’s first understand the idea of Down Payment Assistance (DPA). DPA programs are developed to assist prospective house owners by offering funds for the down payment required when buying a house. For the most existing info about the Chenoa Fund and other home purchasing choices, please consult with a certified mortgage brokers.

California Down Payment Assistance

The Chenoa Fund Down Payment Assistance in California

The Chenoa Fund Down Payment Assistance

California Down Payment Assistance Programs 2024

From discovering the best rates of interest and least expensive costs to finishing the application and shutting the home loan in a timely manner, mortgage brokers are well-versed in the experience of obtaining a mortgage. Dealing with a mortgage broker to browse today’s market can be a sensible step, particularly for a newbie buyer.

What is a mortgage broker? A home loan broker is a liaison who matches borrowers and mortgage lending institutions. If you’re getting a home or refinancing, a broker can help you find the best mortgage for your specific requirements and situation. “A home loan broker not just assists you get the most competitive prices and pricing, they additionally help make certain your home loan is an excellent suit with the particular lender,” describes Andrew Weinberg, principal at Silver Fin Resources Team in Great Neck, New York City. “They can promptly identify the best lender for each private customer.”

If you’re seeking an FHA home loan or a VA home loan, for instance, a mortgage broker who has experience collaborating with those lendings can streamline the procedure for you. Part of a mortgage broker’s job is to “do the math” and inform a debtor what dimension mortgage they might receive, states Rick Masnyk, a branch supervisor at Network Financing in North Smithfield, Rhode Island. A home loan broker is not a lending institution of mortgage funds, nevertheless.

brokers originate mortgage loans and position them with lending institutions, who after that pay out the funds at closing. A home loan broker has accessibility to even more lending institutions and mortgage products than a small business loan officer, who is limited to the mortgages given by the financial institution. What does a mortgage broker do? A home loan broker deals with everybody associated with the financing procedure– from the property agent to the expert and closing agent– to make certain a debtor obtains the best home loan and the home loan closes on time.

A broker can function independently or with a brokerage company. Home mortgage brokers study home loan choices and work out with lending institutions in support of their clients. A broker can additionally pull the buyer’s credit rating reports, confirm their revenue and expenses and coordinate all of the home loan paperwork. Lots of brokers have accessibility to an effective loan-pricing system, also, which costs a mortgage across several lending institutions at once, thus speeding up and enhancing the procedure. Pros of collaborating with a mortgage broker A home loan broker can help you save money on costs: When you obtain a mortgage, you’re most likely to be charged an origination cost, application cost, evaluation cost and even more.

A home loan broker may have the ability to get the lender to forgo some or all of those costs. A home loan broker can conserve you cash on the home loan itself: Brokers have gain access to. to a broader variety of lendings and lending institutions and may have the ability to find a far better deal than you might get on your own.

A home loan broker can conserve you time: Brokers can do all the study on prices and costs; they work out for you and keep the mortgage procedure on track. A home loan broker can conserve you from making a big blunder: Brokers can help you prevent challenges because they recognize the mortgage market, the distinctions among lending institutions and the twists and turns in the mortgage procedure.

A home loan broker can find the right lender for tricky situations: If your credit history isn’t great or the property you’re getting is unusual, a broker can find a lending institution who has even more versatility with credit report and down payment quantities or who concentrates on particular kinds of buildings.

Cons of collaborating with a mortgage broker Not all lending institutions collaborate with mortgage brokers: Brokers may not have accessibility to all home loan programs at particular banks. You might need to pay the broker: Prior to working with a mortgage broker, ask how they earn money. Normally, the lender pays the broker cost, but occasionally the customer pays. There is possibility for dispute of interest: If a lending institution pays a mortgage broker a commission, the broker might favor that lender and you might not get the best deal offered. A broker’s quote may not stand for the last regards to the deal: Based on the info in your application, the lender may charge a greater price or costs, and the expense of your home loan may be greater than what you expected.

Just how does a mortgage broker earn money? The mortgage lender usually pays the mortgage broker a cost or compensation after the home loan has closed. Some brokers charge the customer straight, as opposed to the lender; in these cases, it’s commonly a level cost that can be financed with the mortgage or paid at closing. Just how much does a mortgage broker expense? The broker’s compensation (which is usually paid by the lender) varies, but it commonly varies from 0.50 percent to 2.75 percent of the home loan principal. Federal regulation caps broker costs at 3 percent and needs that they not be linked to the rates of interest on a lending.

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Sacramento, California

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“Most brokers do not charge the customer anything at all in a lot of situations,” states Weinberg. “The compensation paid to the broker by the lender does not add a penny to the customer’s closing prices, just like the compensation paid by the big financial institutions to their … home loan pioneers doesn’t include in your closing prices.” “Before the (2008) financial downturn, consumers didn’t see just how much a broker got paid, but in today’s mortgage environment, the expense of the home loan is charged to the customer and the lender buying the home loan gives a credit score equal to that expense, causing no cost to the customer,” adds Masnyk.

In minority circumstances a broker does charge the customer for their solutions, borrowers can anticipate to pay a cost in between 1 percent to 2 percent of the home loan principal. Prior to you devote to collaborating with a broker, ask about cost framework and what you might be responsible for paying, if anything (much more on that particular below). Home mortgage broker vs. lender vs. home loan officer The distinction in between a mortgage broker and a lending institution is that a broker doesn’t provide the funds for mortgages.

Instead, brokers originate and close mortgage loans in between lending institutions and borrowers. Brokers companion with a selection of lending institutions, including business financial institutions, cooperative credit union, mortgage business and other banks, and can function independently or with a brokerage company. In contrast, a lending officer is employed by a bank, credit union or other lender and is limited to giving the home loan products their employer deals. Generally, home loan police officers assess borrowers and either authorize or suggest authorization for lendings.

A loan officer might not be as experienced as a broker. Home mortgages are a broker’s daily bread, but a lending officer could be taking care of other kinds of financings, too, and may not be as acquainted with mortgage loans as a mortgage broker is. Additionally, a debtor who obtains a mortgage straight from a business financial institution might end up paying much more as a result of the financial institution’s overhead. Rather, a broker might be able to get you a lending with a far better price from the financial institution’s wholesale division.

Still, financial institutions usually contend that they’re a far better go-to for a mortgage, particularly for borrowers who have been with the very same financial institution for a long time, which they’re much more safe because they have heftier portfolios. Inquiries to ask a mortgage broker Prior to you get too much into the procedure with a mortgage broker, ask these crucial concerns: Just how much do you charge and who pays your cost?

The lender usually pays the mortgage broker, but occasionally the customer pays. Broker costs can appear on the finance quote or closing disclosure in a number of means, so get clear on this in advance to prevent surprises at closing. Which lending institutions do you collaborate with?

Most mortgage brokers have a stable of lending institutions they collaborate with, and not all brokers collaborate with the very same lending institutions. If you’re looking at a VA finance and the broker doesn’t collaborate with VA lending institutions, for example, that broker is most likely not the best suitable for you.

Just how much experience do you have? As a rule of thumb, choose a mortgage broker who has remained in the market for at least 3 years. If you have an interest in a specific kind of finance, ask just how much experience the broker has keeping that finance.

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Call My-Down Payment Assistance 916-413-3967 - Team Whigham service all of Northern California and Southern California! Some areas included are: Sacramento | Natomas | Rosemont | Galt | New Castle | La Riviera | Rancho Cordova | Cameron Park | Fabulous Forties | Florin | Foothill Farms | Orangevale | Rio Linda | Elverta | Citrus Heights | Folsom | El Dorado Hills | Carmichael | Roseville | Lincoln | Loomis | Lodi | Antelope | Auburn | Granite BayWest Roseville | Sun City Lincoln | Sun City Roseville | Auburn | Penryn | Gold River | Land Park | East Sacramento | Elk Grove| Pocket Area | Davis | Woodland | Contra Costa County | San Francisco County | Antelope | San Diego County |  Alameda County | Yuba City | Ione CA | Jackson CA | North Highlands | Los Angeles County| Orange County | Long Beach | Los Angeles County | Placer County | El Dorado County | Amador County | San Diego County | San Bernardino County | Orange County | Alameda County | Sacramento County and many more in the Northern California and Southern California area.

Jason Whigham | NMLS #1448396 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2314 S Val Vista Dr, Suite 201, Gilbert, AZ 85295 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. |
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