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Position Yourself For Success

MORTGAGES

If you are unable to qualify for any of these finance programs we will work one-on-one with you to improve your financial position (credit improvement, savings plan and debt reduction) so you can qualify in 3, 6, 9 or 12 months. CLICK HERE for additional details today!

ZERO DOWN HOME MORTGAGES

Home In 5 Grant Program – Receive A Grant Up to $12,000:

  • 30 year fixed rate
  • 660 Credit Score Receive 3% down payment & closing costs assistance
  • 640 to 659 Credit Score Receive 2% down payment & closing costs assistance
  • 4% down payment and closing cost assistance for VA, Teachers, and First Responders
  • Purchase anywhere in Maricopa county
  • Buyer must occupy the Home they purchase
  • Max Home Purchase for this Grant program is $300,000
  • Must use Participating lenders ( Call for List )
  • Must complete home buying class

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Chenoa Fund Rate Advantage (No down payment required):

  • Minimum 620 Credit Score
  • Maximum Purchase Price $280,880
  • No Debt-to-Income Cap
  • No Down Payment or 3.5% Gift Funds
  • No Cash Reserves Requirement
  • Can Purchase Anywhere In Arizona

Home Plus Program (Receive up to $14,000 for down payment):

  • Minimum 660 Credit Score
  • Maximum Purchase Price $371,936
  • Debt-to-Income Cap at 45%
  • No First Time Buyer Requirement
  • Maximum Qualifying Income $92,984

Arizona HFA Preferred (Receive up to $16,926 for down payment):

  • Minimum 640 Credit Score
  • Maximum Purchase Price $371,936
  • Debt-to-Income Cap at 45%
  • No first time buyer requirement
  • Maximum Qualifying Income $92,984
  • Can Buy Anywhere in Arizona

Open Doors Grant Program (Receive up to $15,000 for down payment):

  • Minimum 640 Credit Score
  • Income Requirement – Household of 3 – $45,300 / Household of 4 – $50,000
  • Home Purchased Must Be Located In Phoenix, AZ
  • Must Complete An 8 hour Class
  • Buyer Must Contribute $1000 of Their Own Funds
  • Maximum Loan Amount Up To $180,000

Pathway To Purchase (Receive up to $20,000 for down payment):

  • Minimum 640 Credit Score
  • Maximum Purchase Price $371,936
  • Debt-to-Income Cap at 45%
  • City restrictions: Arizona City, Avondale, Buckeye, El Mirage, Goodyear, Laveen, Maricopa
  • Maximum qualifying income $92,984

USDA Rural Loan Program (No down payment required):

  • 100% financing, no down payment required.
  • Flexible credit guidelines
  • No maximum home purchase amount
  • Must purchase in the rural development areas

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VA Loan Program – A Zero Percent Down Loan For Our Country’s Veterans:

  • 0 down, No down payment required
  • No monthly mortgage insurance
  • Purchase up to $417,000 in Arizona
  • Must apply for a Certificate of Eligibility

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Give us a call today to find out if you qualify for any of the above loan programs TODAY!!

Credit Score 500+ or No Credit Score:

Low Credit Score Loan Program

  • Down payment of 10% with lower than 580 credit score
  • Perfect rental history for 12 months
  • No more than 2 late payments on car loans or mortgage within 30 days
  • Must have income to quality

Foreign National or Non-Permanent Resident Alien Loan Program:

  • Purchase price up to $1,000,000
  • Maximum loan-to-value 75%
  • No Credit Score Needed
  • Verification of two years or earnings or bank statements
  • Purchase primary, second home or investment property

Give us a call today to find out if you qualify for any of the above loan programs TODAY!!

Stated Income & No Income, Verified Assets Program

The One Bank Statement Program:

  • Borrower must be Self Employed or 1099
  • Most recent personal account’s bank statement
  • Income is ATTESTED to and DECLARED
  • 700 minimum middle Credit Score
  • 25% Down Payment
  • Maximum loan amount of $3,000,000
  • Rates starting in the low 5’s
  • Reserve funds are not required
  • Cash out is unlimited

No Income, Verified Asset Program:

  • 25% Down Payment
  • Maximum loan amount $2,000,000
  • Minimum credit score 560
  • Income and employment not verified
  • No reserve requirement
  • Designed for experienced real estate investors

Give us a call today to find out if you qualify for any of the above loan programs TODAY!!

Low Interest Investor Fix and Flip Loans:

  • NO minimum FICO required
  • 15% down payment
  • 3-60 months, interest only
  • From 8.0%* APR 8.20*

Give us a call today to find out if you qualify for any of the above loan programs TODAY!!

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