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Call Jason Whigham at 916-413-3967 for a Glen Frazer California mortgage broker

Down payment assistance programs are available to all California residents through My-Down Payment. 

Glen Frazer First-Time Home Buyer Programs: Find a Mortgage Brokers in California

My-Down Payment Assistance is California most trusted name for down payment assistance Glen Frazer Glen Frazer programs. Call 916-413-3967 for Jason Whigham. Jason's best email is

Glen Frazer California Mortgage Brokers

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

When it comes to concerns attaining the American dream of homeownership, among the most significant barriers potential house owners face is the down payment. Luckily, assistance programs like the Chenoa Fund have made it their mission to turn that dream into a reality for lots of Californians. If you’re interested in acquiring a house in California, keep reading as we dive into the Chenoa Fund, assisted by our Chenoa Fund Specialist and experienced mortgage broker, Jason Whigham.

Understanding Down Payment Assistance and The Chenoa Fund.

Prior to we discuss the specifics of the Chenoa Fund, let’s very first comprehend the principle of Down Payment Assistance (DPA). DPA programs are created to assist prospective house owners by offering funds for the down payment required when acquiring a home. This assistance significantly alleviates the financial concern of homeownership, making it a more attainable goal for lots of.

One such program making waves in California is the Chenoa Fund. Created by the Cedar Band Corporation, a federally chartered tribal corporation, the Chenoa Fund aims to increase economical and sustainable homeownership chances for creditworthy people who discover it challenging to save for a deposit.

Key Features of The Chenoa Fund.

The Chenoa Fund stands apart among DPA programs since of its special features and flexibility. Here are a few of the factors why it’s getting traction:.

Second Mortgage or Grant: The Chenoa Fund provides down payment assistance in the kind of either a 2nd mortgage or a grant, depending on the debtor’s requirements and credentials.

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

Various Loan Options: The Fund provides different 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 process of acquiring a house, even with the assistance of programs like the Chenoa Fund, can be complicated and frustrating. This is where a seasoned Chenoa Fund professional and mortgage broker like Jason Whigham can be found in.

Jason has invested years guiding prospective house owners through the complexities of the mortgage process. With his large understanding of the Chenoa Fund, he’s ideally placed to help you comprehend the program, evaluate if it’s the right fit for you, and browse the application process.

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

Picking a home loan broker is a critical decision 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 thorough understanding of the California property market. His expertise in the Chenoa Fund permits him to provide thorough assistance on this particular program.

Client-Centric Approach: Jason’s viewpoint is firmly rooted in the very best interests of his customers. He’s committed to comprehending your special scenario and requires, offering personalized suggestions, and guaranteeing you’re notified every action of the method.

Strong Network: Jason’s connections with local realtors, lending institutions, and Chenoa Fund authorities permit him to streamline the application process and ensure a smooth and successful home-buying experience for his customers.

Steps to Accessing The Chenoa Fund with Jason Whigham

Starting your journey towards homeownership with the Chenoa Fund and Jason Whigham includes a couple of essential steps:

1. Reach Out to Jason: Connect with Jason and established an initial assessment to discuss your scenario, requires, and homeownership.


2. Review Your Eligibility: Jason will examine your financial scenario and credit history to identify your eligibility for the Chenoa Fund.

3. Choose the very best Program: If you receive the Chenoa Fund, Jason will direct you through the different loan programs to select the one finest matched to your scenario.

4. Application and Approval: Jason will walk you through the application process, guaranteeing you comprehend and finish all essential paperwork. He will then communicate with all relevant parties to accelerate the approval process.

5. Homeownership: Once approved, Jason will help collaborate the loan closing process. Prior to you understand it, you’ll be holding the keys to your new house!

In conclusion, The Chenoa Fund, with its dedication to offering down payment assistance 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, navigating the intricacies of this program and attaining your homeownership dreams can become a smooth and satisfying journey.

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

Please note: This information is existing since the date of publication. For the most existing information about The Chenoa Fund and other house buying choices, please talk to a certified mortgage broker.

Luckily, assistance programs like the Chenoa Fund have made it their mission to turn that dream into a reality for lots of Californians. If you’re interested in acquiring a house in California, keep reading as we dive into the Chenoa Fund, assisted by our Chenoa Fund Specialist and experienced mortgage broker, Jason Whigham.

Prior to we discuss the specifics of the Chenoa Fund, let’s very first comprehend the principle of Down Payment Assistance (DPA). DPA programs are created to assist prospective house owners by offering funds for the down payment required when acquiring a home. For the most existing information about the Chenoa Fund and other house buying choices, please seek advice from 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 most effective rate of interest and cheapest fees to finishing the application and shutting the lending on schedule, mortgage brokers are fluent in the experience of getting a home loan. Dealing with a home loan broker to browse today’s market can be a smart relocation, especially for a first-time homebuyer.

What is a home loan broker? A home loan broker is a liaison who matches consumers and mortgage lending institutions. If you’re purchasing a home or refinancing, a Glen Frazer broker can assist you find the most effective mortgage for your certain demands and scenario. “A home loan broker not just assists you obtain one of the most competitive rates and pricing, they additionally assist see to it your lending is a great match with the particular lending institution,” clarifies Andrew Weinberg, principal at Silver Fin Funding Team in Great Neck, New York. “They can quickly identify the most effective lending institution for each individual borrower.” If you’re seeking an FHA lending or a VA lending, for example, a home loan broker who has experience collaborating with those financings can streamline the process for you. Part of a home loan broker’s job is to “do the mathematics” and inform a debtor what size mortgage they can qualify for, states Rick Masnyk, a branch manager at Network Financing in North Smithfield, Rhode Island. A home loan broker is not a loan provider of mortgage funds, nonetheless.

Glen Frazer brokers originate mortgage and place them with lending institutions, who then 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 home loans offered by the financial institution. What does a home loan broker do? A home loan broker collaborates with everyone involved in the financing process– from the realty representative to the underwriter and closing representative– to see to it a debtor obtains the most effective lending and the lending closes on time. A broker can function independently or with a brokerage company. Home mortgage brokers study lending choices and negotiate with lending institutions in behalf of their customers. A broker can additionally pull the buyer’s credit score records, validate their revenue and expenditures and work with all of the lending documentation. Lots of brokers have accessibility to a powerful loan-pricing system, as well, which costs a home loan across many lending institutions at once, thus accelerating and enhancing the process. Pros of collaborating with a home loan broker A home loan broker can assist you minimize fees: When you obtain a home loan, you’re most likely to be billed a source fee, application fee, evaluation fee and even more. A home loan broker might be able to obtain the lending institution to waive some or all of those fees. A home loan broker can save you money on the lending itself: Brokers have accessibility. to a more comprehensive variety of financings and lending institutions and might be able to find a much better offer than you can obtain for yourself.

A home loan broker can save you time: Glen Frazer Brokers can do all the study on rates and fees; they negotiate for you and maintain the mortgage process on the right track. A home loan broker can save you from making a large blunder: Brokers can assist you prevent challenges since they know the mortgage sector, the distinctions among lending institutions and the weaves in the mortgage process.

A home loan broker can find the right lending institution for tricky situations: If your credit history isn’t fantastic or the residential property you’re purchasing is unusual, a broker can find a loan provider who has even more versatility with credit report and down payment amounts or who concentrates on specific sorts of properties.

Cons of collaborating with a home loan broker Not all lending institutions collaborate with mortgage brokers: Brokers might not have accessibility to all lending programs at specific banks. You might need to pay the broker: Prior to hiring a home loan broker, ask exactly how they get paid. Normally, the lending institution pays the broker fee, but sometimes the borrower pays. There is possibility for dispute of interest: If a loan provider pays a home loan broker a compensation, the broker can favor that lending institution and you might not obtain the most effective offer available. A broker’s estimate might not stand for the last terms of the offer: Based upon the information in your application, the lending institution might charge a greater rate or fees, and the price of your lending might be greater than what you expected.

Just how does a home loan broker get paid? The mortgage lending institution normally pays the mortgage broker a charge or compensation after the lending has closed. Some brokers charge the borrower directly, rather than the lending institution; in these cases, it’s usually a level fee that can be financed with the mortgage or paid at closing. How much does a home loan broker price? The broker’s compensation (which is normally paid by the lending institution) varies, but it usually ranges from 0.50 percent to 2.75 percent of the lending principal. Federal regulation caps broker fees at 3 percent and calls for that they not be connected to the rate of interest on a loan.

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“Most Glen Frazer brokers do not charge the borrower anything at all in a lot of situations,” states Weinberg. “The settlement paid to the broker by the lending institution does not include a dime to the borrower’s closing expenses, similar to the settlement paid by the huge banks to their … lending pioneers doesn’t contribute to your closing expenses.” “Before the (2008) financial decline, customers really did not see just how much a broker earned money, but in today’s mortgage environment, the price of the lending is credited the borrower and the lending institution acquiring the lending gives a credit scores equal to that price, resulting in no cost to the borrower,” includes Masnyk. In minority instances a broker does charge the borrower for their solutions, consumers can expect to pay a charge between 1 percent to 2 percent of the lending principal. Prior to you commit to collaborating with a broker, inquire about fee framework and what you might be responsible for paying, if anything (more on that particular below). Home mortgage broker vs. lending institution vs. lending officer The difference between a home loan broker and a loan provider is that a broker doesn’t offer the funds for home loans.

Rather, brokers originate and shut mortgage between lending institutions and consumers. Brokers companion with a variety of lending institutions, including business banks, cooperative credit union, mortgage companies and other banks, and can function independently or with a brokerage company. In contrast, a loan officer is used by a bank, cooperative credit union or other lending institution and is limited to offering the lending products their employer deals. Usually, lending officers assess consumers and either authorize or advise approval for financings. A financing officer might not be as knowledgeable as a broker. Home mortgages are a broker’s bread and butter, but a loan officer could be handling other sorts of financings, too, and might not be as acquainted with mortgage as a home loan broker is. On top of that, a debtor who obtains a home loan straight from a business financial institution can end up paying more because of the financial institution’s expenses. Instead, a broker might be able to obtain you a loan with a much better rate from the financial institution’s wholesale department. Still, banks usually compete that they’re a much better go-to for a home loan, especially for consumers who have been with the very same financial institution for a very long time, which they’re more safe since they have heftier portfolios. Questions to ask a home loan broker Prior to you obtain too much into the process with a home loan broker, ask these essential inquiries: How much do you charge and who pays your fee?

The lending institution normally pays the mortgage broker, but sometimes the borrower pays. Broker fees can appear on the funding estimate or closing disclosure in several means, so obtain 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 funding and the broker doesn’t collaborate with VA lending institutions, for example, that broker is most likely not the most effective fit for you.

How much experience do you have? Generally of thumb, select a home loan broker who has been in the sector for at the very least 3 years. If you‘re interested in a details type of funding, ask just how much experience the broker has with that said funding.


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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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