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
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
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
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!!