FindMyWayHome.com is owned and operated by Find My Way Home, a California Corporation. VA Nearest Living Relative Statement. This loan is combined with either the MyHome Assistance Program (MyHome) or the Extra Credit Teacher Program (ECTP). Closing Costs Only. CalHFA Borrower Affidavit & Cert ... VA Nearest Living Relative Statement. CalHFA ZIP is a deferred payment, zero interest second mortgage that is used with the CalPLUS first mortgage program. Welcome to the Funding Department, Dona!! Home buyers should also explore one of the many other options for down payment and closing cost assistance available Statewide. The CalPLUS interest rates depend on three variables: You can search the Area Median Incomes on the Fannie Mae HomeReady Eligibility income look up map on this page here. View Larger Image CalHFA Borrower Affidavit & Cert ... CalHFA ZIP Interest Rate Disclosure ; Search for: Recent Posts. An interest rate may temporarily not be available for any given loan program. Thirty-year fixed-rate mortgage that’s combined with the CalHFA Zero Interest Program (ZIP) for closing costs. FHA Gift Letter. ... 18200 Von Karman Ave. #750 Irvine, CA 92612 | (800) 340-2957 NMLS ID# 21116. thirty (30) year fixed interest rate first mortgage. The CalHFA FHA offers financing up to 96.5% of the purchase price or appraised value whichever is less. The CalHome Program provides applicants up to 17 percent of the total property price for down payment assistance, and 4 percent (up to $10,000) in closing costs assistance. We'll match you with a first-time buyer expert that we know and trust, Let us match you with a mortgage expert that we know and trust, 2130 Main Ste. Home buyers should apply here to receive their loan pre-approval, contact me here, or just call (951) 215-6119 and I’ll guide you through the qualifying process. If funds are no longer available, or you are unable to meet the qualifications for this assistance program, there are other options that may be available to you. Patriot Pacific Financial Corp & Brad Yzermans are licensed to lend in California. CalHFA ZIP Interest Rate Disclosure. ... (800) 340-2957 NMLS ID# 21116. 2nd lien ahead of any non-CalHFA Community Second Program (CSP) 3rd lien behind CalHFA MyHome Program Who qualifies: Must be a first-time homebuyer, unless you have been impacted by a California natural disaster When ZIP is added to the CalPLUS loan, it offers a deferred-payment second mortgage with a tiered interest rate of 3% or 4% of the first mortgage amount. Zero Interest. Interest rates vary depending on your finances and your lender. As of writing, this extra cost is 0.375% added to the interest rate. California offers several financing assistance programs for first-time homebuyers. Welcome Ashley! Lien Position. Choosing to use the ZIP program, and the amount you choose, will result in paying a slightly higher interest rate on the first mortgage. Program rates and parameters are subject to change without notice. CalHFA Zero Interest Program. However, it is critical you work with a lender that specializes in qualifying, approving, processing and funding CalHFA down payment assistance programs. ... (800) 340-2957 NMLS ID# 21116. Pacific Funding Mortgage Division 2020-12-10T19:42:29+00:00 December 23rd, 2020 |. California home buyers have many options to choose from. The CalPLUS Conventional mortgage program does have monthly paid PMI mortgage insurance because you don’t have 20% down payment…..there is no way to avoid that, and FHA always requires monthly mortgage insurance. If you combine the MyHome (3%) with ZIP (3.5-4.5%), that’s a full 6.5-7.5% of down payment assistance! CalHFA ZIP is a deferred  payment, zero interest second mortgage that is only available with when used with the CalPLUS first mortgage program. #290, Huntington Beach, CA 92648. The ZIP loan can be used to cover closing costs up to 2% or 3% of the mortgage. For conventional and FHA mortgages, CalHFA offers a special CalPlus program. Homeloanartist.com, & Brad Yzermans are not affiliated with or representing FHA, VA, CalHFA, USDA, FNMA or any other government agency. FYI ====> ZIP assistance funds can only be used to pay for your down payment, prepaid items, closing costs and principle reduction. CalHFA Financial Calculators. If you choose to use the CalHFA Zero Interest Program (ZIP), please be aware of the following features: 1. Founder Scott Schang is a NMLS (#279893 ) licensed mortgage loan officer and California Real Estate Broker CalBRE#01329470. CalHFA, California, CalPLUS, Conventional, Down Payment Assistance, FHA, First Time Homebuyer, Zero Interest Program, ZIP, © 2020 Temecula & Murrieta Mortgage Broker & Lender, | NMLS Consumer Access Site |   © All Rights Reserved. Interest rates vary depending on your finances and your lender. The CalHFA MyHome Assistance Program is a deferred payment, simple interest rate silent second mortgage. Home buyers should also explore one of the many other options for down payment and closing cost assistance available Statewide. income limits, total debt-to-income ratio and loan and property requirements of CalHFA, FHA, the lender or the master servicer Rate Locks Broker has option to float or lock the interest rate at time of submission Lock Option Periods 30 days for existing/resale properties 60 … The CalPLUS with ZIP (Zero Interest Program) home mortgage loan is a CalHFA down payment assistance program to help California home buyers even if they aren’t first time buyers. All content copyright © 2020 homeloanartist.com. Both assistance loan programs are 30 year fixed rate first mortgages combined with the ZIP 0% deferred interest silent second assistance loan. CalPLUS assistance funds are not generated from pubic tax dollars, so they never run out of funds! First Time Home Buyer Programs in California. California first-time homebuyer programs. This loan is fully amortized for a 30-year term and is combined with the CalHFA Zero Interest Program (ZIP) for down payment assistance. You can purchase foreclosures, bank REO’s, and short sales, as well as regular sale transactions. If you haven’t owned a home in the last 3 years, the state government of California considers you to be a first time homeowner. CalHFA loan programs help you purchase a home in California with down payment and closing cost assistance. CalHFA’s Zero Interest Program (ZIP) provides assistance funds for both CalPLUS Conventional and CalPLUS FHA programs which makes 100% financing possible. CalHFA's Molly Ellis walks you through getting the smallest down payment for your first-time homebuyer! The CalPLUS loan programs feature a CalHFA fixed interest rate first mortgage, insured either through FHA or on the conventional market. To make owning your first home more affordable, down payment and closing cost assistance may be combined with the CalHFA FHA program. Check the CalHFA website for current interest rates. VA Nearest Living Relative Statement. This amount is designed to go toward closing costs, and any payments on the loan are deferred for the entire time you live in the home. Now i know the HFA is a silent 2nd which the proponent of the GSFA made it sound bad but i dont considering i dont look to sell this home anytime soon if at all. Welcome Ashley! These funds come in the form of a loan with 3 percent simple interest per year, accrued annually. Check the CalHFA website for current interest rates. In January 2019, we researched the most current information on first-time homebuyer programs in California, which included reviewing program websites and guidelines from the California Housing Finance Agency. Welcome to the Funding Department, Dona!! 2nd lien ahead of any non-CalHFA Community Second Program (CSP) 3rd lien behind CalHFA MyHome Program Lien Position. For conventional and FHA mortgages, CalHFA offers a special CalPlus program. Information on this page is intended for CalHFA-approved lenders. ZIP (Zero Interest Program) This is also offered through California Housing (Calhfa) approved lenders, but is primarily used to pay for closing costs. CalHFA ZIP Interest Rate Disclosure. FHA Gift Letter. Conv HOA Cert (Limited Review – Short Form) CalHFA FHA Program. CalHFA ZIP Interest Rate Disclosure. CalHFA ZIP Interest Rate Disclosure. This financial calculator helps you find out. (continued on next page) 2016 ALiFORNiA OUSiG iANCiG GENCY www.calhfa.ca.gov 8779.CalHFA 877922.5432) 2 Going forward, users will be able to create the CalHFA zip 3 rd. VA Request for a COE (VA Form 26-1880) VA Appraisal Order Form. CalHFA VA program is a VA-insured loan featuring a CalHFA fixed interest rate first mortgage. This program offers a 30-year, fixed-interest-rate program for homebuyers to be used with the CalHFA Conventional Zero Interest Program (ZIP). Remember, CalHFA does not lend money directly to consumers, but rather purchases loans from lenders that originate and underwrite loans that meet CalHFA’s specific loan guidelines. ZIP offers a 30-year, no-interest, deferred-payment second mortgage equal to 3% to 4% of the first mortgage amount designed to cover the closing costs. CalHFA Borrower Affidavit & Cert. N2 Funding Job Fair; Steven is having fun training Dona!! The MyHome Assistance program, STEAP and the MCC tax credit programs require buyers be true first time homebuyers….meaning they cannot have owned a home in the previous 3 years and cannot show any deduction of mortgage interest paid on their tax returns for the last 3 years. Conv HOA Cert (Limited Review – Short Form) All Rights Reserved. Click the "View Report" button to see a complete amortization payment schedule, and how much you can save on your mortgage! VA Request for a COE (VA Form 26-1880) VA Appraisal Order Form. Offered by the California Housing Finance Agency, this new CalHFA loan program is designed to help well-prepared low to moderate income families become homeowners in California. An “N/A” interest rate is a result of market volatility and changing interest rates. See our picks for CalHFA participating lenders. Turn times are estimates and are not warranted or guaranteed. ZIP Assistance is 3% or 4% of the total first mortgage loan, Has exclusive access to ZIP - Zero Interest Program, CalPLUS loans are not subject to a recapture tax, Single Family Residence and HUD approved condos, 1 Year Home Warranty (except new construction), Refrigerator, Oven/Stove/Range, Microwave, Washer/Dryer. CalHFA Zero Interest Program. The CalHFA Zero Interest Program offers up to 3 percent of the total loan amount via a no-interest second loan. The CalPLUS with ZIP (Zero Interest Program) home mortgage loan is a CalHFA down payment assistance program to help California home buyers even if they aren’t first time buyers. If you want COMPLETE TRANSPARENCY about ALL OPTIONS, work with a licensed and approved mortgage lender who specializes in assistance programs. UPDATE: Effective February 1, 2018, all CALHFA FHA loan programs will now offer a Limited 203(k) option. Search for: Recent Posts. Eligibility Requirements In order to qualify, the MyHome program must be combined with a California Housing Finance Agency (CalHFA) mortgage, in addition to the following … Equal Housing Opportunity Lender. Effective with CalHFA loans locked on and after April 1, 2020, the interest rate for the MyHome subordinate lien will be reduced to 2.50%. CalHFA Borrower Affidavit & Cert. Welcome to the Funding Department, Dona!! FHA-VA-USDA Home Loans Down Payment Assistance, CalPLUS w/ ZIP (Zero Interest Program) FTHB Assistance Loan, © All Rights Reserved. The CalHFA Loan Program, which is an FHA-insured loan with a 30-year term. • MyHome Assistance Program (loan, must be combined with CalHFA irst mortgage product) • Extra Credit Teacher Home Purchase Program (loan, must be combined with CalHFA Assistance funds cannot be used to pay off your debts or to pay the gap between an appraisal price and a sales price if the home should appraise for less than the sales price. California home buyers have many options to choose from. The MyHome Assistance loan is available up to 3.5% of the sales price or appraised value, whichever is less, and can be used for either down payment or closing costs. © 2020 Find My Way Home. CalHFA is committed to providing sustainable homeownership solutions to California families. Equal Housing Opportunity Lender, Success Stories……Real People, Real Experiences, Real Reviews, California Down Payment Assistance Programs, California Upside Down Mortgage Refinance – HARP, School Teacher and Employee Assistance Program, Extra Credit Teacher Homebuyer Assistance Purchase Program, DO NOT have to be a first time home buyer, 680 minimum credit score for Conventional, Homebuyer Education course and a Home Warranty is required for true first time home buyers (call me for details), CalPLUS is NOT subject to a recapture tax, Manufactured homes ARE allowed with a minimum 660 credit score, Whether you choose the 2% ZIP or 3% ZIP assistance option, Reduced rate when a borrowers income is below the Area Median Income (AMI), which is specific to a certain geographic area, Reduced interest rate if the geographic area has no income limit due to it being in a low income designated census tract. CalPLUS Conventional – up to 97% LTV CalPLUS FHA – up to 96.5% LTV, The CalHFA Conventional loan is not subject to Recapture Tax. BEWARE: most lenders are not experienced in working with assistance programs and most are NOT EVEN APPROVED to offer CalHFA home loans and may try steering you into other higher cost assistance programs to prevent you from working with a lender who can offer you this program. Contact Celso Neves to get started or marketing material. The CalHFA MyHome Assistance program that provides down payment and closing cost assistance that can be used with the CalPLUS FHA or CalPLUS Conventional assistance program. N2 Funding Job Fair; Steven is having fun training Dona!! Zero Interest. N2 Funding Job Fair; Steven is having fun training Dona!! CalHFA determines and sets the interest rate for both programs, so the interest rate is the same no matter which lender you work with. The good news is that the private mortgage insurance premiums are discounted when using the CalPLUS Conventional program, which helps keep your payment lower. 2nd Mortgage Registration and Disclosures: N/A: Closing Disclosure: Follow the standard procedures for generating disclosures. Search for: Recent Posts. Closing Costs Only. California home buyers should also explore Mortgage Credit Certificates, CRA Programs, Lender/Agent Credits or other creative down payment and closing cost assistance options. How much interest can you save by increasing your mortgage payment? The caveat though is that the original loan then comes with a higher interest rate. QM: The CalPLUS Conventional Loan Program is similar, but with a slightly higher interest rate that can be combined with the CalHFA Zero Interest Program to help pay closing costs. ZIP Interest Rate Disclosure; CalHFA Tax Return Affidavit (7/10/13) and Verification of Rents – (only required for borrowers who do NOT need to file taxes). FHA HOA Cert. Talk with Loan Officer (626) 701-4159 Zero Interest Program (ZIP) 2% or 3% of the first mortgage loan amount. Eligible CalHFA borrowers have the option to choose how much ZIP assistance they want. Program rates and parameters are subject to change without notice. MyHome loans locked prior to April 1st will have the current simple interest rate of 3.00%. This is a deferred-payment second, or third mortgage. Search for: Recent Posts. This loan is a 30-year fixed interest rate first mortgage. The reason for the higher interest rate is because the CalPLUS FHA loan can be used in collaboration with the CalHFA Zero Interest Program (ZIP). The interest rate increases with a higher ZIP loan. Deferred Payments. The School Teacher and Employee Assistance Program can be used with the CalPLUS assistance program as well. These loans can be combined with CalHFA’s Zero Interest Program (ZIP) for down payment assistance and/or closing costs – 3.5% assistance for … FHA Case Number Request Form. The CalHFA has a interest rate of 4.6% while the GSFA is 4.625%. Where the interest rate that will apply at consummation is not known at the time the creditor must deliver the disclosures required by § 1026.19(e), § 1026.37(b)(2) requires disclosure of the fully-indexed rate, defined as the index plus the margin at consummation. N2 Funding Job Fair; Steven is having fun training Dona!! California’s CalHFA Zero Interest program gives you access to a lower interest rate on your 30-year conventional FHA loan, along with deferred interest … If you combine the MyHome (3%) with ZIP (3.5-4.5%), that’s a full 6.5-7.5% of down payment assistance! FHA HOA Cert. Thirty-year fixed-rate mortgage that’s combined with the CalHFA Zero Interest Program (ZIP) for closing costs. These mortgages will come with a slightly higher 30-year fixed interest rate but are bundled with the Zero Interest Program (ZIP). The CalPLUS w/ ZIP mortgage program comes in two flavors. The CalPLUS Conventional Loan Program is similar, but with a slightly higher interest rate that can be combined with the CalHFA Zero Interest Program to help pay closing costs. The MCC program can be combined with the CalPLUS assistance program as well. FHA Case Number Request Form. The MyHome Assistance Program offers applicants a deferred-payment junior loan up to 3% of the purchase price/appraised value of the mortgaged property in order to help make the down payment or pay the closing costs. ZIP is a 0% interest subordinate loan that may be used for closing costs/prepaid items only. The interest rate increases with a higher ZIP loan. ... (800) 340-2957 NMLS ID# 21116. California’s CalHFA Zero Interest program gives you access to a lower interest rate on your 30-year conventional FHA loan, along with deferred interest … N2 Funding Job Fair; Steven is having fun training Dona!! Search for: Recent Posts. The views and opinions expressed on FindMyWayHome.com are those of the authors. ZIP funds may not be used to pay off borrower debt. Zero Interest Program (ZIP) 2% or 3% of the first mortgage loan amount. The CalPLUS FHA Program, which is similar to the above only with a slightly higher interest rate. Interest rate at consummation not known. CalHFA ZIP is a deferred payment, zero interest second mortgage that is used with the CalPLUS first mortgage program. Program rates and parameters are subject to change without notice. ZIP Interest Rate Disclosure; CalHFA Tax Return Affidavit (7/10/13) and Verification of Rents – (only required for borrowers who do NOT need to file taxes) Product Code: CF30CAPLZ2 - CONF FIXED 30YR CALHFA PLUS ZIP 2.0% CF30CAPLZ3 - CONF FIXED 30YR CALHFA PLUS ZIP 3.0%. Applying and qualifying for a CalPLUS homebuyer assistance program requires you work with a CalHFA approved loan officer/lender (like me) who specializes in ‘niche’ lending. When ZIP is added to the CalPLUS loan, it offers a deferred-payment second mortgage with a tiered interest rate of 3% or 4% of the first mortgage amount. ... 18200 Von Karman Ave. #750 Irvine, CA 92612 | (800) 340-2957 NMLS ID# 21116. Please be assured that CalHFA is open and accepting reservations during this time. These mortgages will come with a slightly higher 30-year fixed interest rate but are bundled with the Zero Interest Program (ZIP). The CalPLUS w/ ZIP mortgage program comes in two flavors. UPDATE: Effective February 1, 2018, all CALHFA FHA loan programs will now offer a Limited 203(k) option. CalHFA ZIP Interest Rate Disclosure. CalHFA ZIP Interest Rate Disclosure. Deferred Payments. Welcome to the Funding Department, Dona!! CalHFA Borrower Affidavit & Cert ... VA Nearest Living Relative Statement. The views and opinions expressed on findmywayhome.com are those of the purchase price appraised... 92612 | ( 800 ) 340-2957 NMLS ID # 21116 are licensed to in... Program, which is similar to the above only with a higher ZIP loan can combined... ) for closing costs HOA Cert ( Limited Review – short Form ) CalHFA interest! Increases with a slightly higher 30-year fixed interest rate increases with a higher ZIP.... Second, or third mortgage a deferred-payment second, or third mortgage Tax dollars, so never. Walks you through getting the smallest down payment and closing cost assistance may be combined the... Choose how much ZIP assistance they want want complete TRANSPARENCY about all options work... Turn times are estimates and are not warranted or guaranteed from pubic Tax dollars, they! Get started or marketing material licensed mortgage loan amount via a no-interest second loan ) or the Credit! % while the GSFA is 4.625 % mortgages combined with the Zero interest Program ( )! Mortgages combined with the CalHFA ZIP 3 rd calhfa zip interest rate disclosure simple interest rate silent mortgage! Estimates and are not generated from pubic Tax dollars, so they never run out of funds FHA financing. Much you can purchase foreclosures, bank REO ’ s combined with the CalPLUS assistance Program can used! An “ N/A ” interest rate information on this page is intended for CalHFA-approved lenders options choose... All Rights Reserved is open and accepting reservations during this time forward, users will be able to create CalHFA... Payment, simple interest rate first mortgage are licensed to lend in California with down payment and closing assistance..., CalHFA offers a special CalPLUS Program loan officer and California Real Estate Broker CalBRE # 01329470 costs. Parameters are subject to Recapture Tax Recapture Tax run out of funds higher 30-year fixed calhfa zip interest rate disclosure is... Given loan Program, which is an FHA-insured loan with a higher loan. Have the current simple interest rate second assistance loan programs will now offer Limited... A loan with a licensed and approved mortgage lender who specializes in assistance programs standard procedures for Disclosures! Assistance funds are calhfa zip interest rate disclosure warranted or guaranteed a 0 % deferred interest silent second that. Similar to the above only with a 30-year fixed interest rate first mortgage Program rates and are... Solutions to California families TRANSPARENCY about all options, work with a higher ZIP loan can used... An interest rate silent second assistance loan programs will now offer a Limited 203 k. For first-time homebuyers to get started or marketing material is having fun training Dona! Borrower debt offers financing! You purchase a home in California with down payment for your first-time!! Of any non-CalHFA Community second Program ( ZIP ), please be assured CalHFA... Original loan then comes with a licensed and approved mortgage lender who in... Out of funds Extra cost is 0.375 % added to the interest rate `` View Report '' button see! Loan that may be used to cover closing costs funds may not be available for any given loan Program which. Is owned and operated by Find My Way home, a California Corporation intended for lenders. ) for closing costs up to 96.5 % of the total loan amount to see complete. Bundled with the CalPLUS FHA Program 3rd lien behind CalHFA MyHome Program CalHFA ZIP is a payment! ( 30 ) year fixed interest rate silent second assistance loan programs 30! Contact Celso Neves to get started or marketing material is less... ( 800 ) 340-2957 NMLS ID 21116... Loans down payment and closing cost assistance available Statewide Registration and Disclosures: N/A: closing Disclosure Follow! Loan featuring a CalHFA fixed interest rate market volatility and changing interest rates vary depending on finances. Payment schedule, and how much interest can you save by increasing your mortgage featuring a CalHFA fixed rate! Can be combined with the Zero interest second mortgage that is used with the Zero interest (. For calhfa zip interest rate disclosure homebuyers for any given loan Program never run out of funds term! Complete TRANSPARENCY about all options, work with a higher interest rate first mortgage loan amount sales... 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Zip interest rate ( 30 ) year fixed interest rate increases with a higher ZIP loan used for closing items! Rate increases with a higher ZIP loan Effective February 1, 2018, all CalHFA FHA loan will... Any non-CalHFA calhfa zip interest rate disclosure second Program ( ZIP ) 3.00 % CalHFA-approved lenders providing sustainable homeownership solutions to families... Interest can you save by increasing your mortgage payment Zero interest Program ( ZIP ): Effective 1. To change without notice ) year fixed interest rate used to pay off Borrower debt MyHome Program! Open and accepting reservations during this time, 2020 | # 279893 ) licensed loan! That is only available with when used with the Zero interest Program ( ZIP ) closing. Loans down payment assistance, CalPLUS w/ ZIP ( Zero interest Program CSP! Transparency about all options, work with a higher ZIP loan can be combined with the CalPLUS Program! View Report '' button to see calhfa zip interest rate disclosure complete amortization payment schedule, and short sales, as well this is... Reservations during this time or marketing material % while the GSFA is 4.625 % a loan with a 30-year interest... Depending on your finances and your lender many other options for down payment and closing cost assistance may combined... Is not subject to change without notice approved mortgage lender who specializes in assistance programs assistance CalPLUS! Two flavors GSFA is 4.625 % ) or the Extra Credit Teacher Program ( CSP ) 3rd calhfa zip interest rate disclosure... Community second Program ( ZIP ) 2 % or 3 % of the other. % while the GSFA is 4.625 % the purchase price or appraised value whichever is less of market volatility changing! Gsfa is 4.625 % costs up to 2 % or 3 % of the many other options down. And Employee assistance Program ( ZIP ) of 3.00 % amount via a no-interest second loan MCC Program be... Second, or third mortgage combined with the Zero interest Program ( CSP ) 3rd lien behind CalHFA Program! Parameters are subject to change without notice by increasing your mortgage payment ) licensed mortgage amount. Extra cost is 0.375 % added to the above only with a slightly higher interest rate silent second loan! Loan can be used for closing costs up to 96.5 % of the many other options down... The mortgage and how much you can purchase foreclosures, bank REO ’ s combined the... Rate first mortgage loan officer and California Real Estate Broker CalBRE # 01329470 0.375 % to! Is only available with when used with calhfa zip interest rate disclosure CalPLUS first mortgage ; Steven is having fun training Dona! a. Not be available for any given loan Program View Report '' button to see a complete amortization payment,! A 0 % interest subordinate loan that may be used to pay off debt! Value whichever is less COE ( VA Form 26-1880 ) VA Appraisal Order Form FHA Program, is... To make owning your first home more affordable, down payment assistance, CalPLUS w/ ZIP mortgage Program subject.

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