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GET DOWN PAYMENT ASSISTANCE CA
Info on how to get down payment assistance Plus a CA Mortgage Broker that can help you with your home purchase in California 916-413-3967.
My-Down Payment Professional Mortgage Brokers in Roseville, CA
We are happy to be Sacramento's trusted mortgage lender, from the initial inquiry to the actual financing. We have customers from all walks of California and believe that helping more people buy their homes will strengthen our California communities.Mortgages We Offer in Roseville, CA
When you are buying a house, finding the perfect property isn't the only thing that you should consider. Your mortgage will be with you for many years. It is important to choose a loan that suits your budget and your needs. It can save you thousands of money over the life of your loan. Call our mortgage experts today to discuss all of the loan options. Different types of loansFixed-Rate Mortgages
Most Sacramento mortgage lending is for fixed-rate mortgages that have terms between 10 and 30 years. A 30-year fixed-term mortgage is the best choice for many borrowers. Fixed-rate mortgages of shorter duration, typically 15 year fixed, can help you save money on interest because you pay the loan for a shorter time. They do however increase your monthly mortgage payments and the longer the loan term, the greater they will be.My-Down Payment Adjustable-Rate mortgages (ARMs).
Fixed-rate mortgages are more expensive than ARMs. This means that ARMs will have lower interest rates from the beginning. You'll be paying less every month, as long as the interest rate doesn't rise during the term. An ARM is better if you plan to live in the home for only a few years because interest rates can change depending on the economic environment.California FHA Loans
FHA loans have become a popular choice for first-time homebuyers. FHA loans are available for buyers with lower credit scores and only require a 3.5% down payment. FICO scores as low at 620 are sometimes accepted. FHA loans allow gifts from family members, whether they are related by blood or marriage. This is great for first-time buyers who rely on relatives' financial support to get started. Lenders will require that you pay a mortgage insurance premium (MIP) if you put down less than 80%. The California FHA criteria requires that you have not owned or held any interest in property within the three years preceding your application.USDA Loans
The United States Department of Agriculture doesn't require any down payment, and they don’t have a minimum credit score. They will still review your credit history, even though it isn't traditional credit such as paying utility bills. Buyers who apply for a loan must prove that they can repay it. USDA loans are similar to other government-backed loans. There is an initial payment required at closing. If the loan-to value (LTV), exceeds 80%, there will be a mortgage insurance fee. The repayments will include this fee.CalHFA
California Housing Finance Agency (CalHFA), a state agency, was established in 1975 to help low- and middle-income residents afford decent housing. Two programs can help you with your downpayment if you are a first-time home buyer.MyHome Assistance
MyHome Assistance offers a small loan program that covers 5% of the loan amount. This is for first-time homebuyers who require assistance with closing costs and down payments. This loan is not due until the property has been sold or paid in its entirety.Zero Interest Program
Zip (Zero Interest program) is similar to MyHome Assistance. However, the loan amount is only 3 percent of the total mortgage and the interest rate is 0%. ZIP repayment can also be deferred.VA Loans
The best thing about VA loans is the absence of a down payment. You must be either on active duty or have been discharged in good standing to apply for a VA loan. There is no need for mortgage insurance, but there is an additional fee. The loan limits work in the same way as other programs.Reverse Mortgages
California reverse mortgages are available to anyone over the age of 62 who wants to free equity from their home while they're still living there. This type of loan is not repaid until the borrower passes away or moves out, so there is no chance of being evicted. Reverse mortgages are a great way to help seniors pay for home and medical expenses. You can either pay the equity in one lump sum or in regular payments.Mortgage Refinancing
Refinancing is a way to replace your existing mortgage loan with a new one. You can choose the type and length of the term, as well as the amount you wish to borrow. Refinancing is something you should consider. UWL, a licensed mortgage expert, can help you establish clear financial goals and determine the best route to take.Mortgage Refinancing
Get in touch with UWL today to learn how we can help you refinance or buy your next home United Wholesale Lending offers a range of mortgage loans to borrowers within the Greater Sacramento Area, including El Dorado Hills, Granite Bay, Roseville and Folsom. To learn more, contact our Sacramento mortgage lending specialists today.
Roseville
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