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Listen in as Erin and Gabriella discuss: Why Gabri returned her first two houses to the bank… and what she would have done differently with what she now knows Tactical strategy and action items for every market… and especially slower ones The social media strategy that brought Gabri a huge following and has her known as the California Mortgage Girl The power of implementing boundaries … and much more About With over 27 years of lending expertise, Gabriella Godde, affectionately known as the "California Mortgage Girl," is a seasoned professional in the real estate finance industry. Her extensive experience spans from assisting first-time homebuyers to navigating the complexities of self-employed entrepreneurs with multiple properties and intricate tax returns. Gabriella's unwavering goal is to empower her clients with accurate and dependable information, ensuring they make informed decisions throughout their real estate transactions. She goes above and beyond by providing comprehensive estimates of monthly mortgage payments across a broad spectrum of pre-approved prices, while also transparently outlining closing costs and down payment requirements to eliminate any surprises at closing. Having engaged with thousands of clients over the years, Gabriella possesses a keen ability to swiftly analyze their unique needs and aspirations. This enables her to recommend tailored loan programs that align perfectly with their financial goals and objectives. Her expertise extends to various specialized loan programs, including FHA, CalHFA, FHA-203K, Conventional, VA, USDA, 4 Plus Properties, Investment Bank Statement Loans, and Debt Service Coverage Ratio (DSCR) loans. Based in the picturesque state of California, Gabriella takes pride in leveraging the state's attractive incentives for first-time homebuyers. She holds certifications to handle loans from CalHFA, the Teacher Program, and Down Payment Assistance programs, offering her clients unparalleled access to advantageous financing options. For personalized assistance and expert guidance in navigating the mortgage landscape, reach out to Gabriella Godde, the "California Mortgage Girl," at 661-713-3460 or via email at Godde007@Gmail.com. NMLS# 262012. Gabriella is associated with Groves Capital Inc., a trusted name in the mortgage industry. How to Connect With Gabriella LinkedIn: https://www.linkedin.com/in/gabriellagodde1/ Instagram: https://www.instagram.com/gabriellagodde
Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureGermany's economy is now slowing, the same thing is happening to the blue state that are pushing the green new scam. The [CB]/[WEF] are pushing the narrative that we do not need a/c, big fail. The numbers are fake but the recession and the depression are real. The people no longer believe. The [DS] is preparing [KH] for the debate, they just want her to make it through it. The people will see the truth just like [JB]. [DS] will then go into overdrive to cover this up, might see another event,October surprise etc. Trump is now warning the [DS] not to cheat in the election, if they do cheat they will be held accountable and the will be hunted down, tried and thrown in prison. Justice is coming. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy JUST IN: Governor Newsom Vetoes Bill That Would Allow Illegal Aliens to Buy Homes with Zero Down Payment and 0% Interest California Governor Gavin Newsom (D) on Friday vetoed a bill that would have allowed illegal aliens to buy homes with zero down payment and pay zero interest. If Newsom signed the bill, illegal aliens would be eligible for a new program that offers a loan worth 20% of the purchase price of the residential property. There are no monthly payments and no interest accrues on the loan. Rather, the loan is paid back when the borrower refinances or sells the property. The borrower will have to pay back the original loan plus a 20% increase in the value of the property. After the California Senate advanced the bill allowing illegal aliens to apply for the state's first-time homebuyer's program, the California Department of Finance confirmed the program has no money to give. Governor Newsom vetoed the bill because of a lack of funds. “I am returning Assembly Bill 1840 without my signature,” Newsom wrote in his veto message to the members of the California State Assembly. “Given the finite funding available for CalHFA programs, expanding program eligibility must be carefully considered within the broader context of the annual state budget to ensure we manage our resources effectively,” he said. “For this reason, I am unable to sign this bill,” Newsom wrote. Source: thegatewaypundit.com https://twitter.com/KobeissiLetter/status/1832472167922938294 of all cuts. Tech companies announced 5.5 TIMES more job cuts than in the previous month. Furthermore, the education sector announced 25,396 job cuts in 2024 so far, up a whopping 222% compared to 2023. More proof that the labor market is weakening. https://twitter.com/Rasmussen_Poll/status/1832478945238720984 https://twitter.com/KobeissiLetter/status/1832486721512206493 inflows were as much as $3.3 billion. Risk appetite in crypto seems to have disappeared despite expectations that the Fed will cut rates this month. #Bitcoin is down~15% over the last two weeks and is trading ~25% below its all-time high. Are #crypto markets entering a bear market? Political/Rights https://twitter.com/JamesOKeefeIII/status/1832147881454924153 one of Venezuela's largest criminal organizations in the U.S. The document states that Tren de Aragua “has established a presence in Brooklyn, Bronx, and Williamsburg, NY,"with “approximately 400 TdA members” living in these cities. The CUI also warns that TdA members in Denver “have been given a 'green light' to fire on or attack law enforcement,” with Homeland Security Investigations (HSI) in New York receiving a similar report. The document details how the criminal organization is using advanced technology...
加州住房金融局去年針對首購族推出的首輪「加州夢共享貸款計畫」，11天內耗盡約3億元資金。今年4月將推出第二輪貸款計畫，但申請內容有些改動。加州住房金融局發言人表示，這次將有2億5000萬元資金，預計幫助1600人至2000位新申請者。非營利住房研究和倡議組織，加州社區建設者執行長表示，首輪加州夢共享貸款計畫，並未達到當初規畫人員希望的地理覆蓋範圍，也未達到預期人口目標。第一輪計畫資金共幫助近2200位首購族。但只有3%受助者為非裔，白人35%，西裔33%，亞裔19%。发言人認為資金並未平均按照地理分配，各族裔住房率差異並未獲得改善，且沙加緬度居民份額不成比例。今年第二輪申請的變化，希望解決這些差異。以下是申請時所需資訊。 根據該計畫，加州將支付高達20%的房屋成本。這筆錢是當出售房屋時，才需無息還款，然貸款者還需償還房屋增值的20%。若購買價值60萬元房屋，10年後以70萬元售出，需償還最初12萬頭期款與額外的2萬元。與去年一樣，申請者需為加州居民首購族。與去年不同的是，申請者中至少有一人需是第一代購屋者，這意味著他們父母目前在美國並無房產，確保該計畫用於真正需要資金者。 去年，該地區收入中位數的150%居民可申請，今年門檻降至該地區收入中位數的120%。收入限制範圍，從Santa Clara的28萬7000元，到該州一些農業地區的13萬2000元不等。申請者信用評分需達到680分，債務與收入比不超過45%。申請者要做的第一件事是找到一家經CalHFA批准，提供加州夢共享貸款計畫的機構，以獲得該機構預先批准，申請者需拿到預先批准信才能在4月提出申請。之後，申請者需參加5至6小時的購屋者教育課程，和一小時共享貸款的運作方式課程，可上calhfadreamforall.com註冊。被選中獲得貸款計畫者，有90天時間尋找夢想之家。
On this episode, MHD talks about education, family, and community with Inglewood's own D Smoke. Daniel “D Smoke” Farris is an acclaimed American rapper, singer, and songwriter who rose to fame after winning Netflix's "Rhythm + Flow" in 2019. Known for his seamless blend of rap, R&B, jazz, and gospel, and for incorporating both English and Spanish in his lyrics, D Smoke's music often tackles themes of social justice, community, and identity. His debut album, "Black Habits," released in 2020, was critically praised and earned him a Grammy nomination for Best Rap Album. With a background as a music educator and a family deeply rooted in music, D Smoke's work is characterized by its lyrical depth, musicality, and a mission to inspire and educate.Resources:www.dsmokemusic.comwww.instagram.com/dsmoke7Episode Playlist:https://playlist.sptfy.com/mhdotr25Community Announcements:Line Dancing ClassFridays 10:00am - 11:30am Constituent Services Center, 8475 S. Vermont Ave, 90044www.instagram.com/p/C3vHUk7OTSh/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA==Summer Night Lights Hiring HubSaturday March 9th from 8am - 2pmSouth LA Sports Activity Center, 7020 S. Figueroa St., Los Angeles, 90003.Link: https://www.instagram.com/p/C306IOsrjl1/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA==CA Dream For All Shared Appreciation Loan Program www.CalHFA.ca.gov/dream(877)9 CalHFA
Where are the first time home buyers programs? What's the scoop on the new California down payment assistance lottery? How do I get low or no-cost counseling to get a home or keep one? How to Black people get the same deals that other groups seem to get? We answer these questions and more with Shona Clark a Senior Loan Consultant with New American Funding and Kevin Johnson is the Information Officer for Marketing and Communications at the California Housing Finance Agency. www.CALHFA.CA.Gov New American Funding Inglewood (310) 409-2149
CALHFA down payment assistance is available to many first-time buyers who didn't know that they could qualify! Learn more in today's episode. For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926
Spencer Hsu is a Bay Area Real Estate Agent, a Residential, New Home Construction and Relocations specialist with eXp Realty LLC. Serving the entire Bay Area. He aims to help busy professionals in the Bay Area tech industry find their dream homes by leveraging tech, data and local insights.CONTACT ME: Call / Text: (408) 547- 4590Email: spencer@spencerhsu.com www.homesbyspencerhsu.com
In Episode #104 we take a deep dive on all the assistance programs available to first-time homebuyers here in California. A representative from the California Housing Finance Agency (CalHFA) joins us. Topics covered include: CalHFA Down Payment Assistance Programs MyHome Assistance Program California Dream for All Shared Appreciation Loan Program Please note: On October 13, 2023, Eric Johnson from CalHFA released a video with the latest on the Dream For All shared appreciation loan program and address some of the misinformation that has been shared and posted about the program's return. Watch the video at: https://www.youtube.com/watch?v=biT21WUCbII. CalHFA Government Loan Programs CalHFA FHA Loan Program The CalHFA FHA Program is an FHA-insured loan featuring a CalHFA 30-year fixed interest rate first mortgage. CalPLUS FHA Loan Program The CalPLUS FHA program is an FHA-insured first mortgage with a slightly higher 30-year fixed interest rate than our standard FHA program and is combined with the CalHFA Zero Interest Program (ZIP) for closing costs. CalHFA VA Loan Program The CalHFA VA program is a VA-insured loan featuring a CalHFA fixed interest rate first mortgage. This loan is a 30-year fixed interest rate first mortgage. CalHFA USDA Program The CalHFA USDA Program is a USDA Guaranteed first mortgage loan program, which can be combined with the MyHome Assistance Program (MyHome). This loan is a 30-year fixed interest rate first mortgage. CalHFA Conventional Loan Programs CalHFA Conventional Loan Program The CalHFA Conventional program is a first mortgage loan insured through private mortgage insurance on the conventional market. The interest rate on the CalHFA Conventional is fixed throughout the 30-year term. CalPLUS Conventional Loan Program The CalPLUS Conventional program is a conventional first mortgage with a slightly higher 30 year fixed interest rate than our standard conventional program and is combined with the CalHFA Zero Interest Program (ZIP) for closing costs. Other CalHFA Programs Section 184 Indian Home Loan Guarantee Program Members of federally recognized tribes can take advantage of CalHFA financing no matter where they choose to live in California! Combine with grants, gifts or tribal assistance to maximize your homebuying power. Limited 203(K) Option Program that allows homeowner with CalHFA mortgage to roll up to $35,000 in repairs into mortgage payment. Free Housing Counseling Program Through CalHFA's NMS Housing Counseling Program, a network of HUD-certified housing counselors across California provide free, confidential education and connections to resources. By contacting a HUD-approved housing counseling agency, you will speak with a counselor who is specially trained and certified by the U.S. Department of Housing and Urban Development to help you assess your financial situation, evaluate options and find programs and resources to help keep you on track, orget you back on track. Our Guest: Eric Johnson, California Housing Finance Agency (CalHFA) Other Resources: DRE Website: https://dre.ca.gov/FirstHomeCalifornia
Rent going up, housing prices not signaling spiral -3 things you need to know.HOMEBOT https://hmbt.co/bT7qRJ Crash? there's no stinking Crash? CalHFA pauses CA Dream Rent going up, and housing prices not signaling spiral Youtube Facebook Linkedin Blog 3 things you need to know in real estate today HOMEBOT https://hmbt.co/bT7qRJ Crash? there's no stinking Crash? CalHFA pauses CA Dream Rent going up, and housing prices not signaling spiral Vito Scarnecchia Realtor®, Broker, Veteran, Dad DRE#: 01407676 Website: abitano.com update your home value: https://hmbt.co/bT7qRJ RELOCATION@ABITANO.COM FREE DESKTOP APPRAISAL https://www.propertyrate.com/agent/vitoscarnecchia If you are moving ANYWHERE in the world - Let me know! I know a LOT of AMAZING Agents! Book appointments here: https://calendly.com/abitano/15min Home Buyers Course YT YouTube.com/SanJoseLiving IG https://www.instagram.com/abitanogroup/ FB https://www.facebook.com/vito.scarnecchia/ LI https://www.linkedin.com/in/vito-scarnecchia/ Blog http://blog.abitano.com/ POD https://spotifyanchor-web.app.link/e/oxdH1Hwfcvb Professional Photography by Kim E https://photosbykime.com / Compass site: https://www.compass.com/agents/vito-scarnecchia/ VydeoEase.com- video post-production service for business marketers. VITO50 for discount Video Marketing Course for Realtors https://karincarr.samcart.com/referral/O0FGKRS3/0orWK4vK5bAYBD6E Try Melon video streaming https://melonapp.com?ref=vitoscarnecchia --- Send in a voice message: https://podcasters.spotify.com/pod/show/siliconvalleyliving/message
The California real estate housing market just got a bit more tricky. California Offers 20% Housing Down Payment At 0% Intrest Rate. As people are finding it hard to break into the housing market due to housing affordability California is giving down payment assistance thru calhfa.
From first-time home buyers to someone that has sold and bought before, this podcast has information for everyone. This episode features talk about a new program that just came about in California called the CalHFA Program, also known as the Dream For All Program. The bulk of this episode talks about what happened to this program. What was it intended to accomplish? What went behind the program? And why is there no money left in the program after only launching less than a month ago? All information given here!
Santa Clara County Hi's and Low's Santa Clara County Hi's and Low's Is Feng Shui a thing? New Home Builders cancellation rates CALHFA 2564 contracts in 2 weeks Youtube https://www.youtube.com/watch?v=k_ASdk1x-YE Facebook Linkedin Blog http://blog.abitano.com/2023/04/santa-clara-county-his-and-lows.html Podcast Vito Scarnecchia Realtor®, Broker, Veteran, Dad DRE#: 01407676 Website: abitano.com update your home value: https://hmbt.co/bT7qRJ RELOCATION@ABITANO.COM FREE DESKTOP APPRAISAL https://www.propertyrate.com/agent/vitoscarnecchia If you are moving ANYWHERE in the world - Let me know! I know a LOT of AMAZING Agents! Book appointments here: https://calendly.com/abitano/15min Home Buyers Course YT YouTube.com/SanJoseLiving IG https://www.instagram.com/abitanogroup/ FB https://www.facebook.com/vito.scarnecchia/ LI https://www.linkedin.com/in/vito-scarnecchia/ Blog http://blog.abitano.com/ POD https://spotifyanchor-web.app.link/e/oxdH1Hwfcvb Professional Photography by Kim E https://photosbykime.com / Compass site: https://www.compass.com/agents/vito-scarnecchia/ VydeoEase.com- video post-production service for business marketers. VITO50 for discount Video Marketing Course for Realtors https://karincarr.samcart.com/referral/O0FGKRS3/0orWK4vK5bAYBD6E Try Melon video streaming https://melonapp.com?ref=vitoscarnecchia --- Send in a voice message: https://podcasters.spotify.com/pod/show/siliconvalleyliving/message
Looking to buy your first home in California? The CalHFA Dream For All Loan may be the key to making that dream a reality! In this video, loan officer Jonathan Sandoval joins us to discuss everything you need to know about the program, including who qualifies, what the loan covers, and how it can help you buy your dream home in California.We'll answer all your burning questions, including whether you can buy a home with no money out of pocket and how much you could owe on the loan. This is a limited-time opportunity, so don't miss out on the chance to make your dream home a reality.Whether you're in the market for a single-family home or a condo, the CalHFA Dream For All Loan is a fantastic option to consider. Tune in now to learn more and take the first step towards becoming a homeowner today!If you enjoy this content and want to see more, don't forget to subscribe to our channel for the latest updates and advice on all things home buying in California.Let us know in the comment section below if you have any questions and don't forget to SUBSCRIBE to our channel to learn everything you need to know to grow your real estate business and become a successful real estate agent!
Real Estate Realities With Robert "The RebelBroker" Whitelaw
If you think of predatory lending as any borrowing scenario that has a high probability of causing issues for the borrower, I think that there is a good chance we should chat about the "California Dream For All" loan program from CalHFA (California Housing Finance Agency). Schemes like this are predicated on the idea that the price of real estate will continue to rise. As we all know, that is not always true. During the last downturn, nothing was more saddening than trying to help people who had tried to take advantage of these programs and been left completely upside down and being forced into bankruptcy and short sales. —————————————————————————————————————————————————— ➡️ Instagram: https://www.instagram.com/rebelbroker/ ➡️ Twitter: https://twitter.com/rebelbroker ➡️ Facebook: https://www.facebook.com/whitelawre/
High and Low Homes Sales Santa Clara County Highlights RATES 6.44 GAS Lo $4.15 130 Homes Sold Highest price: 12774 Leander Drive $6,300,000 97.00% Lowest Price 614 Coyote Road $785,000 112.30% Highest LP/SP RATIO 1038 Harker Avenue $3,700,000 123.50% Lowest LP/SP RATIO1795 Foster Road $3,625,000 63.60% Not my listings: ML81919038, ML81918519, ML81906951, ML81921698 Multiple offers are back. 53% of homes closed over list price Supply is dangerously low CALHFA is in full motion Financial Intelligence - Where's your money? is it safe? Will it help you make money? or lose value? Youtube https://www.youtube.com/watch?v=7lzz0muWRBA Facebook Linkedin Blog Vito Scarnecchia Realtor®, Broker, Veteran, Dad DRE#: 01407676 Website: abitano.com update your home value: https://hmbt.co/bT7qRJ RELOCATION@ABITANO.COM FREE DESKTOP APPRAISAL https://www.propertyrate.com/agent/vitoscarnecchia If you are moving ANYWHERE in the world - Let me know! I know a LOT of AMAZING Agents! Book appointments here: https://calendly.com/abitano/15min Home Buyers Course YT YouTube.com/SanJoseLiving IG https://www.instagram.com/abitanogroup/ FB https://www.facebook.com/vito.scarnecchia/ LI https://www.linkedin.com/in/vito-scarnecchia/ Blog http://blog.abitano.com/ POD https://spotifyanchor-web.app.link/e/oxdH1Hwfcvb Professional Photography by Kim E https://photosbykime.com / Compass site: https://www.compass.com/agents/vito-scarnecchia/ VydeoEase.com- video post-production service for business marketers. VITO50 for discount Video Marketing Course for Realtors https://karincarr.samcart.com/referral/O0FGKRS3/0orWK4vK5bAYBD6E Try Melon video streaming https://melonapp.com?ref=vitoscarnecchia --- Send in a voice message: https://podcasters.spotify.com/pod/show/siliconvalleyliving/message
In this episode of our podcast, we explore the California Housing Finance Agency (CalHFA) and its shared appreciation loan program. We explain how CalHFA works, who qualifies for their programs, and what benefits they offer to homeowners. We also discuss shared appreciation loans, a unique type of financing that allows homeowners to access cash without adding to their monthly debt obligations. Our guest expert provides valuable insights into the pros and cons of shared appreciation loans and how they can be a valuable tool for homeowners in certain situations. Tune in to learn more about CalHFA and shared appreciation loans! For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926
Are you looking for a mortgage advisor who can understand your unique scenario or someone who is licensed in all 50 States as well as Puerto Rico? Then you are on the right channel! I can help you whether you are a first-time homebuyer, or with any type of loan type, you wish to use. Let's get started!
Welcome to another episode of Pretty Perspectives! I have for you guys, an awesome interview with Devon Hawley, a loan officer with PRMG. As a woman in business, I found a lot of value in our discussions about our career. Not only is Devon a super sweet, awesome loan officer, she is a hard working, single mom, who is passionate about helping others. We dive a little into her favorite loan program by CalHFA called the Forgivable Equity Builder Loan Program, where buyers get free 10% assistance on their down payment. CalHFA also has a VA program, so my veterans stay tuned for the information on that to come. Here is Devon's IG below: IG: @devon_hawley_homeloans More info on the CalHFA programs here: FORGIVABLE EQUITY LOAN PROGRAM: https://www.calhfa.ca.gov/homebuyer/programs/forgivable.htm CALHFA VA PROGRAM: https://www.calhfa.ca.gov/homebuyer/programs/va.htm ***SEE BELOW FOR INCOME CAPS------ Income caps for FORGIVABLE EQUITY LOAN PROGRAM: https://www.calhfa.ca.gov/homeownership/limits/income/income-forgivable.pdf Income caps for VA PROGRAM: https://www.calhfa.ca.gov/homeownership/limits/income/income.pdf --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/prettyperspectives/support
Great conversation with Molly Ellis ( CalHFA Trainer) Today's topic: CalHFA $40k ADU Grant programWe talk about how it works and who is eligibleListen in
Lisa Gillett, Super Agent® unpacks CalHFA expanded first-time home buyer program for California. This is an effort to assist home buyers in a competitive market and encourage intergeneration wealth. Learn more about who can qualify and where can you buy Subscribe @lasuperagent Connect. Build. Share. @lasuperagent @readysetrealestate DRE 01736957 / 02151048 --- Send in a voice message: https://anchor.fm/lasuperagent/message
Host Yvonne McFadden speaks to Eric Lawrence Frazier about market activities and new listing. Join us in the discussion about the financing of the property under GSFA and CalHFA.
The Power Is Now Media Real Estate Market Update is a show for VIP agents only. The show's goal is to allow VIP Agents to present market information and present their listing in a group setting. All VIP agents will ask questions and provide feedback about the market and the listing showed. In addition, there will be a discussion about the financing of the property under GSFA and CalHFA. As we bring on more HFA's in other states, we will include their financing options as well as Government and Conventional financing options will also be discussed.
Learn about Down Payment assistance from the Golden State Finance Authority and California Housing Finance Agency and other programs that can make your dreams of homeownership a reality. Also learn about what happening in the real estate market and new real estate listing information.
Great conversation with Molly Ellis (Trainer for CalHFA) Today's conversation was all about their Conventional Downpayment and Closing Cost Asst
Great conversation with Molly Ellis ( Trainer for CalHFA)Today's conversation is all about their Conventional loan program with Down payment and Closing Cost Asst..
Great conversation with Molly Ellis (Trainer for CalHFA) Today's conversation was all about CalHFA USDA Downpayment and Closing Cost Asst
Great conversation with Molly Ellis ( Trainer for CalHFA)Today's conversation is all about their USDA loan program with Down payment and Closing Cost Asst..
Great conversation with Molly Ellis (Trainer for CalHFA)Today's conversation was all about their VA Downpayment and Closing costs Asst
Great conversation with Molly Ellis ( Trainer for CalHFA)Today's conversation is all about their VA loan program with Down payment and Closing Cost Asst..
Great conversation with Molly Ellis ( Trainer for CalHFA)Today's conversation is all about their FHA loan program with Down payment and Closing Cost Asst..
Great conversation with Molly Ellis ( Trainer for CalHFA)Today's conversation was all about FHA Downpayment and Closing Cost Asst
Support the show: http://tamikaellsworth.com See omnystudio.com/policies/listener for privacy information.
Great Conversation with Molly Ellis ( Trainer at CalHFA) We spoke about their VA and USDA programs and their Downpayment Asst
Great Conversation with Molly Ellis (Trainer for CalHFA)We spoke all about their VA and USDA downpayment and Closing Cost Asst programs
Great Conversation with Molly Ellis (Trainer for CalHFA) We spoke about their FHA home loan program and their downpayment assistance How their program works and who would benefit..
Great conversation with Molly Ellis ( Trainer for CalHFA)We spoke all about their FHA home loan programs - Downpayment and Closing Cost Asst)
Great Conversation with Molly Ellis ( Trainer for CalHFA)We spoke all about their Convention Home Loan programs and their Downpayment and closing cost assistance
Great Conversation with Moll Ellis ( trainer for CalHFA) we spoke about their Conventional loan programs and their Down Payment asst programs and how they work..
Molly Ellis (Trainer for CalHFA) updates us on all their Down Payment Asst programs
Interviewing Meagan Harris (Trainer for GSFA) - Discussing their Open Door Down Payment Asst program
Interview with Meagan Harris (Trainer for GSFA) - discussing their Platinum Down Payment Asst program
On this episode.. I am interviewing Tracie Panish with Partner's Credit.Topics:Fico 10 & 10TFreezing and Unfreezing your creditTrigger Leads and www.optoutprescreen.com to protect you..
On this episode: Interviewing Tracie Panish (Partner's Credit) Topics:Fico 10 & 10TFreezing and Unfreezing your Credit Trigger Leads and www.optoutprescreen.com to avoid becoming a victim
In this episode we catch up with mom and talk about GM Financial reporting payments incorrectly to Debbie's credit report and how she fixed it. Heidi was declined for a loan that she never applied for, and we go into the multiple options of down payment assistance programs for California. Have you heard of Calhfa, California Dreamin, or GSFA? Loans are all about acronyms but we give you the details that you need to determine if down payment assistance might be an option for you! How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634! Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube! Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Conversation with Carolyn Sunseri (GSFA) all about their home loan programs
Conversation with Carolyn Sunseri (GSFA) all about their Home Loan Programs
Conversation with Molly Ellis (CalHFA) all about My Home and Schools programs
Conversation with Molly Ellis (CalHFA ) all about their Home Buyer's assistance programs
Conversation with Molly Ellis (CalHFA) all about their USDA Home Loan program
Conversation with Molly Ellis (CalHFA ) all about their USDA Home Loan Program
Conversation with Molly Ellis (CalHFA) all about their VA Home Loan Program
Conversation with Molly Ellis (CalHFA ) about their VA home loan program
Conversation with Molly Ellis (CalHFA ) about all their FHA programs
Conversation with Molly Ellis (CalHFA) all about their FHA programs
Conversation with Molly Ellis (CalHFA) about their Conventional loan programFor First Time Home Buyers and Non First Time Home Buyers
Conversation with Molly Ellis (CalHFA) all about their Conventional Home Loan Programs
Do homebuyers really need a 20% down payment to buy a home? Steve Hankla from Doorway Home Loans is here to help me answer this question. In answer to the question of whether homebuyers really need a 20% down payment to buy a home, I'm happy to say that no, they do not. There are many awesome programs that allow potential homebuyers to purchase homes with down payments as low as 5%, 3%, 1%, or even 0%. Steve Hankla from Doorway Home Loans joined me today to talk about some of these programs. One program that many don't seem to know much about is the VA loan program. This program is specifically for veterans of the armed forces, and requires no money down on a home. If those veterans happen to be disabled, then they can even have the VA funding fee waived, which will help reduce their monthly payment still further. Other low money down programs include the FHA program, which requires a 3.5% down payment, and the conventional loan program, which requires a down payment somewhere between 3% and 5%. CALHFA, the California Housing Finance Agency, has a product preferable to both FHA and conventional loans which allows homebuyers to get a home with as little as 1%—possibly even less, depending on the time of year. In fact, at the time of year when escrow accounts are at their lowest, Steve has seen people close on a $500,000 home, having paid only $500 or $600 out of pocket on the property with the right down payment assistance. “There are many awesome programs that allow potential homebuyers to purchase homes with down payments as low as 5%, 3%, 1%, or even 0%.” Fannie Mae's HomeReady program for first-time homebuyers is often overlooked because of Fannie Mae's traditional income limitations in areas where the average income is higher than other areas. The HomeReady program offers a lower monthly payment because of the interest rate. The mortgage insurance is actually lower as well. It's designed to attract people to underserved markets. Through the HomeReady program, first-time homebuyers can get into a home with as little as 3% down with no income limitations whatsoever—even if you made $500,000 per year, you would be able to take advantage of the program. What's more is that there are tools available to help pinpoint those properties that qualify for the no-income-limit areas. If you're interested in a property that might require customization due to, for example, a faulty roof or defective appliances, Fannie Mae's HomeStyle Renovation program includes those projects. Ultimately, you really don't need to save up for a 20% down payment. There are plenty of great programs that will allow you to purchase with less money down, or none at all. If you'd like to learn more about these programs, you can contact Steve Hankla at (714) 470-5626 or Steve@GoToLoanPro.com. Otherwise, if you're looking to begin the process of buying a home, reach out to us here Tim Majka with Imagine Realty. We'd be delighted to help.
Golden State Finance Authority (GSFA) - USDA Home Loan program with a GrantDPA is available from GSFA for Purchase transactions as outlined below:DPA Amount:• USDA: Up to 4.00% of the First Mortgage Loan amount.Grant forgive after closeOccupancy:• Borrower must occupy the residence as their primary residence.• For non-occupant co-borrowers, refer to loan agency guidelines.Eligible Properties:• Single Family (1 -4 Unit) properties ONLY, as allowed per Agency guidelines.• Manufactured housing allowed with a minimum of 680 FICO (no manualunderwriting)Income Limits (based on county of property):• For FHA and VA loans, follow GSFA Income Limits published online athttp://www.gsfahome.org/programs/dpa/....• For USDA loans, follow the stricter of either GSFA Income Limits publishedonline at http://www.gsfahome.org/programs/dpa/...
Golden State Finance Authority (GSFA) - VADPA ( Down Payment Asst) is available from GSFA for Purchase transactions as outlined below:DPA Amount:• VA: Up to 4.00% of the First Mortgage Loan amount.Categories eligible for instant Grant (no waiting period after close)FHA or VA Mortgages where borrower has one of the following occupations inCalifornia:o Peace Officers, Sheriff, Border Patrol Agents, Correctional Officers andothers serving in a Law Enforcement capacity;o Firefighters, CalFire, paramedic, and Emergency Medical Technicians(EMTs), including administrative staff that supports firefighters; oro Current members of the California State Teachers Retirement System(CalSTRS) or University of California Retirement Plan (UCRP),employees of a California accredited Private, Charter or Public SchoolDistrict or California State University, Junior College or Private College,including school administration and staff.Occupancy:• Borrower must occupy the residence as their primary residence.• For non-occupant co-borrowers, refer to loan agency guidelines.Eligible Properties:• Single Family (1 -4 Unit) properties ONLY, as allowed per Agency guidelines.• Manufactured housing allowed with a minimum of 680 FICO (no manualunderwriting)Income Limits (based on county of property):• For FHA and VA loans, follow GSFA Income Limits published online athttp://www.gsfahome.org/programs/dpa/....• For USDA loans, follow the stricter of either GSFA Income Limits publishedonline at http://www.gsfahome.org/programs/dpa/...
Golden State Finance Authority (GSFA) FHA: 203(b), 203(b)(2), 203(h), and 234(c); in accordance with FHAguidelines.o Cooperative housing (co-op) is not eligible.o For Energy Efficient Mortgage (EEM) loans, reference section forPlatinum “Select” eligibility.DPA is available from GSFA for Purchase transactions as outlined below:DPA Amount:• FHA: Up to 4.00% of the Total First Mortgage Loan amountMinimum Credit Score: 640.Maximum DTI: 45%.Home buyer Education:• Please refer to loan agency for specific requirements.
The MyHome Assistance Program (MyHome) is a deferred payment, simple interest ratesubordinate loan that may only be used with a CalHFA first mortgage. Your low to moderateincome first-time homebuyer can use this loan for down payment and/or closing cost assistance. The MyHome loan provides up to 3.50% of the sales price or appraised value of theproperty, whichever is less, and must be recorded in second lien position.CalHFA allows qualified homebuyers to layer other down payment assistance loans or grantsto maximize affordability (with the exception of the School Program).
Golden State Finance Authority (GSFA)DPA ( Down Payment Asst) is available from GSFA for Purchase transactions as outlined below:DPA Amount:• VA: Up to 4.00% of the First Mortgage Loan amount.Categories eligible for instant Grant (no waiting period after close)FHA or VA Mortgages where borrower has one of the following occupations inCalifornia:o Peace Officers, Sheriff, Border Patrol Agents, Correctional Officers andothers serving in a Law Enforcement capacity;o Firefighters, CalFire, paramedic, and Emergency Medical Technicians(EMTs), including administrative staff that supports firefighters; oro Current members of the California State Teachers Retirement System(CalSTRS) or University of California Retirement Plan (UCRP),employees of a California accredited Private, Charter or Public SchoolDistrict or California State University, Junior College or Private College,including school administration and staff.Occupancy:• Borrower must occupy the residence as their primary residence.• For non-occupant co-borrowers, refer to loan agency guidelines.Eligible Properties:• Single Family (1 -4 Unit) properties ONLY, as allowed per Agency guidelines.• Manufactured housing allowed with a minimum of 680 FICO (no manualunderwriting)Income Limits (based on county of property):• For FHA and VA loans, follow GSFA Income Limits published online athttp://www.gsfahome.org/programs/dpa/....• For USDA loans, follow the stricter of either GSFA Income Limits publishedonline at http://www.gsfahome.org/programs/dpa/... or loan agencyguidelines.Minimum Credit Score: 640.Maximum DTI: 45%.Homebuyer Education:• Please refer to loan agency for specific requirements
The CalHFA Energy Efficient Mortgage (Cal-EEM + Grant) loan program combines an FHAinsured first mortgage (Cal-EEM) loan with an additional grant (EEM Grant), allowing energyefficient improvements over and above the FHA maximum allowable EEM loan amount.The EEM Grant is only available with the Cal-EEM first mortgage. The EEM Grant is forup to 4% of the first mortgage total loan amount, including Up Front Mortgage InsurancePremium (UFMIP). The EEM Grant can be used towards the HERS Report neutrality ratingand may allow more borrowers to use the FHA EEM program without additional funds out oftheir pocket.The Cal-EEM + Grant can be combined with the MyHome Assistance Program (MyHome) orSchool Teacher and Employee Assistance Program (School Program).
Interviewing Kyle Vaughn with Genworth Mortgage Insurance (Exclusive PMI provider for CalHFA home loans)This episode we are discussing the 7 ways to structure PMI (Private Mortgage Insurance) on your CalHFA Conventional Home loan.Let me know what you think and if you have someone special i should interview..Thanks
Interviewing Molly Ellis (Lender Training Specialist with CalHFA)In this episode we are discussing CalHFA Conventional Loan program. - This program is for First Time Home Buyers or Non First Time Home Buyers The CalHFA Conventional program is a Fannie Mae HFA Preferred™ fully amortized thirty (30) year fixed interest rate first mortgage. This loan is combined with either the MyHome Assistance Program (MyHome) or the School Teacher and Employee Assistance Program (School Program). CalHFA defn: First Time Home Buyer - is a borrower who has not had an ownership interest in any principal residence during the previous three years.
Interview with Molly Ellis (Lender Training Specialist for CalHFA ) :In this episode we discuss CalHFA FHA CalPlus/ZIP loan financing - for First Time Home Buyers. - The CalPLUS FHA loan program is a fully amortized thirty 30-year fixed interest rate FHA-insured first mortgage. This loan is combined with the CalHFA Zero Interest Program (ZIP) for closing cost and/or prepaid items only. The FHA ZIP second loan is only available with CalPLUS and is a silent second loan for either 3.00% or 4.00% of the CalHFA FHA total first mortgage loan amount, including Up Front Mortgage Insurance Premium (UFMIP). The interest rate is zero percent (0.00%) and the payment(s) are deferred for the life of the first mortgage or until the property is transferred or the first mortgage loan is refinanced. * First Time Home Buyer (definition by CalHFA)- first-time homebuyer is a borrower who has not had an ownership interest in any principal residence during the previous three years.
Interviewing Molly Ellis (Lender Training Specialists with CalHFA) In this episode we are discussing CalHFA FHA program. - For First Time Home Buyers and Non First Time Home BuyersThe CalHFA FHA program is an FHA-insured loan featuring a CalHFA fixed interest rate first mortgage. This loan is fully amortized for a thirty (30) year term and can be combined with either the MyHome Assistance Program (MyHome) or School Teacher and Employee Assistance Program (School Program). CalHFA defn: First Time Home Buyer: - is a borrower who has not had an ownership interest in any principal residence during the previous three years.
Interviewing Molly Ellis (Lender Training Specialist with CalHFA)In this episode we are discussing CalHFA Schools Program: Down Payment Assistance - for First Time Home Buyers The School Teacher and Employee Assistance Program (School Program) is a deferred payment, simple interest rate subordinate loan that is combined with a CalHFA first mortgage. Your low to moderate income first-time homebuyer can use this loan for downpayment and/or closing cost assistance. The School Program loan provides up to 4.0% of the sales price or appraised value of the property, whichever is less, and must be recorded in second lien position. CalHFA allows qualified homebuyers to layer other FHA-approved or Fannie Mae Community Second subordinate loans or grants to maximize affordability (with the exception of MyHome )CalHFA Defn: First Time Home Buyer: - is a borrower who has not had an ownership interest in any principal residence during the previous three years.
In this episode I dive into first time home buyer programs with down payment assistance and limited out of pocket options. We cover the CalHFA program, GSFA Platinum program, Fannie Mae's HomeReady, Freddie Mac's HomePossible and Home Possible Advantage. This has been a really hot topic that I have had request for more information on. Please email me with any questions or feedback. mortgagespace@gmail.com or 661-496-9311. Thanks! Allyn Medeiros
This is it, what I've been waiting for. Making this podcast a little more robust. Today, we welcome loan officer, Wesley Shaw from Movement Mortgage to the show. Wes talks about the CALHFA loan and how it's one of the best programs to help get you into a home for little money up front. That and a San Diego landmark moving from Hillcrest--That's on today's show. Interested in selling a home, buying a home or investing in real estate? Call me at 619-818-2992 CA BRE #01785713 CA BRE #01295699 --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/chris-spade/support
Thanks for tuning in to our Facebook Live Broadcast! Today's guest is Eric Johnson (CalHFA).Tune in and get your questions answered! Every Tuesday night, we are LIVE on Facebook giving you the details to our very best Homeownership programs. Don't miss out on this free information! Get on the path to homeownership today. #thepowerisnowEric Lawrence Frazier, MBA President and CEONMLS #461807 CALBRE #01143484Email: eric.frazier@thepowerisnow.com Website: https://www.thepowerisnow.comOffice: 800-401-8994 x 703 Direct: 714-361-2105 | C 714-475-8629 ?Live on Facebook: https://www.facebook.com/PowerIsNow/The Power Is Now Mortgage Services is a Mortgage Brokerage licensed by the State of California Bureau of Real Estate (license #1980407) and the National Mortgage License System and Registry (license #1435243), and is a division of The Power Is Now Inc. (license # 01980407). The Power Is Now Inc. is not affiliated with any state or federal agency. The Power Is Now Real Estate Services is also licensed by the State of California Bureau of Real Estate (licensed #01980407), and is a division of The Power Is Now Inc. The Power Is Now Inc., is an equal housing lender. Eric Lawrence Frazier MBA, is a California licensed Loan Originator (NMLS license # 461807), and a licensed Real Estate Broker (CA Bureau of Real Estate license #01143484). Restrictions may apply to all loan programs. The Information and/or data is subject to change without notice. All loans are subject to credit approval. The information presented is not a commitment to lend or extend credit. Not all loans or products are available in all states. The Power Is Now Mortgage Services and Real Estate Services are A Division of The Power Is Now Inc., and are only licensed to conduct business in the State of California.
Since 1975 California Housing Finance Agency (Cal HFA) has served first-time homebuyers by creating loans that meet the needs of lower income buyers and financing multi-family housing. In this episode of the Affordable Housing Podcast from Eden Housing, host Joanne Greene speaks with Cal HFA Executive Director Claudio Cappio, recently appointed by Governor Brown, about the Cal HFA's programs, the housing challenges in California and her views on the current administration's thoughts on moving forward in the State's housing policies. Visit http://calhfa.ca.gov. For more information about the Affordable Housing Podcast, please visit http://EdenHousing.org
Since 1975 California Housing Finance Agency (Cal HFA) has served first-time homebuyers by creating loans that meet the needs of lower income buyers and financing multi-family housing. In this episode of the Affordable Housing Podcast from Eden Housing, host Joanne Greene speaks with Cal HFA Executive Director Claudio Cappio, recently appointed by Governor Brown, about the Cal HFA's programs, the housing challenges in California and her views on the current administration's thoughts on moving forward in the State's housing policies. Visit http://calhfa.ca.gov. For more information about the Affordable Housing Podcast, please visit http://EdenHousing.org
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