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Lake Arrowhead Real Estate Agent

First Time Home Buyer Lake Arrowhead California.

Owning a home can be a significant first step in attaining financial independence. We can help you eliminate rent payments, build equity, and feel the personal satisfaction of calling a home your own.

With our Lake Arrowhead First Time Home Buyer Real Estate Guarantee, you can have a pre-approved mortgage amount before you decide on the home you want. Your pre-approved Lake Arrowhead California real estate loan provides you the buying power of a cash buyer.

The first step in the home buying process is getting

Pre-Approved.. Click Apply Online

First Time Home Buyer California Apply.

Getting Pre-approved
How much house can you afford? Knowing how much you can borrow will help narrow the search for your new home. California Real Estate Agent Online can help you get pre-approved. Pre-approval means the we analyze your current income, debt, assets, and credit history to decide what kind of mortgage payment you will be able to afford. We then give you a document stating your borrowing capability and whether your mortgage can be approved, pending the outcome of several tests and an appraisal.

No Down Payment
Many recommend that you put down as much as you can for the down payment. Obviously, the more you put down, the less you will have to borrow. We typically never require more than 3.5% down payment which can be a gift.

The first step in the home buying process is getting

Pre-Approved.. Click Apply Online

First Time Home Buyer California Apply.

Lake Arrowhead Real Estate Agent Questions

Call Toll Free (888) 420-7895

We are fully staffed with licensed California Realtors.


Lake Arrowhead First Time Home Buyer Pre-Approvals

Apply today and we will provide you with a First Time Home Buyer Pre-Approval Certificate.

Then you can shop for your dream home and:

  • You know exactly what you can afford.
  • You can shop with confidence.
  • The seller will take your offer more seriously knowing you are virtually a cash buyer.

Lake Arrowhead Down Payment Assistance

  • Financing opportunity for First Time Home Buyers with good credit but little money for down payment.
  • We work with a variety of down payment assistance programs.

Lake Arrowhead 100% Home Loan

  • Zero Down - buy your home with NO money down with down payment assistance.
  • Little or no cash up-front - 100% of the closing costs can come from a gift or other source
  • Less income required - expanded debt ratios make it easier to qualify.
  • The Mortgage Credit Certificate (MCC) Program.. Call for FUND Availability.
  • Fixed rate financing - enjoy the security of knowing what your monthly payments will be for the life of the loan.

Lake Arrowhead 97% Home Loan

Even with limited or spotty credit history you can reach your dream of homeownership:

  • As little as a favorable 12-month rental history required.
  • An affordable 3.5% down payment - only 1% needs to be from your own funds and the balance can come from a gift or other sources.
  • 100% of the closing costs can come from a gift or other sources.
  • Less income required - expanded debt ratios make it easier to qualify.
  • Fixed rate financing - enjoy the security of knowing what your monthly payment will be for the life of the loan.

Lake Arrowhead High Ratio Fixed Rate Loans

Allows First Time Home Buyer with good credit but limited income to buy more house:

  • Allows for fifty percent (50%) of your income to be used towards the housing debt when traditional lending guidelines allow about thirty percent of your gross monthly income to be used towards the housing debt
  • Available with as little as 3.5% cash investment
  • Affords the security of a fixed payment

Lake Arrowhead Fixed Rate Mortgages

Is the right option for you if:

  • You want the certainty of a fixed principal and interest payment
  • Are on a fixed or tight budget
  • Believe interest rates will or may go up
  • Plan on staying in the same home for a long period of time

Lake Arrowhead Adjustable Rate Mortgages

This is the right option for you if:

  • You plan on moving or refinancing within seven (7) years of the mortgage transaction.
  • Are confident your income will increase
  • Believe interest rates will stay the same or go down

Some of the many benefits of First Time Home Buyer adjustable loans include the following:

  • You can save thousands in monthly payments over the first few years
  • No prepayment penalty
  • Your payments are amortized over thirty years
  • With the lower interest rate it may be easier for you to qualify for a loan
  • The interest rate caps help keep payments within reach if and when the rate adjusts upward
  • The rate is typically limited to a one or two percent (1-2.00%) change in either direction per adjustment and a maximum of six percent (6.0%) over the life of the loan

    The first step in the home buying process is getting

    Pre-Approved.. Click Apply Online

    First Time Home Buyer California Apply.

    Lake Arrowhead Real Estate Agent Questions

    California REO Questions

    Call Toll Free (888) 420-7895

    First Time Home Buyer

FHA LOANS
We specialize in Lake Arrowhead California zero down first time home buyer programs and affordable special home loan programs.
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HOME BUYER
Get Approved for our special first time home buyer program today to buy your new dream home, we offer same day approval and email pre approval certificates.
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96.5% MORTGAGE
3.5% down can be a gift and seller paid closing costs to buy your dream home.
more

Apply Online

Lake Arrowhead 30 Year Fixed

Lake Arrowhead 20 Year Fixed

Lake Arrowhead 15 Year Fixed

Lake Arrowhead Interest Only

Lake Arrowhead FHA 203K Loans

Lake Arrowhead REO Listings

Lake Arrowhead Down Payment Assistance

Lake Arrowhead 100% Financing

Fannie Mae Programs

Freddie Mac Programs

Home Solution Options

Lake Arrowhead Jumbo Mortgage

Lake Arrowhead Libor Loan

Lake Arrowhead 3/1 ARM

Lake Arrowhead 5/1 ARM

Lake Arrowhead 7/1 ARM

Lake Arrowhead Teacher Loans

Lake Arrowhead Self Employed

Lake Arrowhead MCC

Lake Arrowhead Down Payment Assistance

FHA 203K Streamline Rehab Loans

Lake Arrowhead Reduced Documentation

Lake Arrowhead Mortgage Credit Certificate

Lake Arrowhead Non Owner

Lake Arrowhead Equity Line

Lake Arrowhead Equity Loans

Lake Arrowhead Debt Consolidation

Lake Arrowhead Refinance

Lake Arrowhead Mortgage Lender

Lake Arrowhead Real Estate Agent

Lake Arrowhead Down Payment Assistance Programs

Lake Arrowhead BPO - Broker Price Opinion

Short Sale and Foreclosure Listings

Mortgage Employment

Loan Officer Training

First Time Buyer

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