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| Conventional Loans |
| FHA Loan Programs |
| Hope4Home FHA Refiance |
| VA Loans and CALVET |
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Conventional Loans
30 Year Programs
- All Property Types
- Single Family 1 to 4 units
- Full Documentation
- ARM & Fixed Loans
- Credit Scores - 620
- Owner Occuppied, Non-Owner and 2nd Home
- Up to 95% LTV/CLTV
- Starting rates as low as 5.5% (Subject to Change without Notice)
Term: 30 years
Maximum Amount: $729,750
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| | Loan programs are changing every day. Contact Hartman & Associates at (888) 704-1343 to determine the loan amount you qualify for. |
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FHA Loan Programs
Loan Amounts up to $697,000
First Time Buyer Programs with Down Payment Assistance
Down Payment as low as 3.5%
Term: 30 years
Maximum Amount: $697,000
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| | FHA requires 2 years tax returns, current 1 month pay stub and 2 months bank Statements. If you are a First Time Buyer you will need 3 years tax returns. The FHA program changes on January 1, 2009 |
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Hope4Home FHA Refiance
FHA Hope4Home
Refinance
Purchase
Fixed Rate
Adjustable
Term: 30 years
Maximum Amount: $697,000
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| | FHA Hope4Home was signed into law on October 1, 2008. It was part of the loan package signed by President Bush to assist those indiviuals in troubled mortgages also known as Sub-Prime Loans. The program allows the current lender to accept a lesser amount on the mortgae currently on the property. For more information contact John Hartman (888) 704-1343 |
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VA Loans and CALVET
VA Loans 100% to $697,000
30 Year Fixed Rate
ARM available
CALVET purchase for Veterans living in California
Term: 30 years
Maximum Amount: $697,000
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| | Hartman & Associates is an approved VA Loan Correspondent and CALVET Mortgage Broker. Over 20 years experience in the Real Estate and Mortgage Industry helping Veterans purchase a home and refinance to lower their rates. Veterans can also use their VA Loan to do a Cash Out Refinance. For more information contact John Hartman (a Veteran) at (888) 704-1343 |
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.
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