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!!