2014 Guide to California Buyer Assistance Loans and Grants Workbook

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Information about 2014 Guide to California Buyer Assistance Loans and Grants Workbook
Real Estate

Published on February 20, 2014

Author: scottschang

Source: slideshare.net

Description

Updated February 2014, this workbook was designed to follow along and keep notes during a live webinar where we discuss widely available and perpetually funded California Homebuyer Assistance Loans and Grants. Assistance programs covered include CalHFA FHA, CalPLUS + ZIP, CHDAP, ECTP, CHF Platinum Grant, SCHFA Homebuyer Grant, Broadview Community Access

Educating and Empowering since 1988 ! 2014 Guide to California Buyer Assistance Loans & Grants ! ! Thank you for your patience Your Class Will Begin Shortly Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender www.FindMyWayHome.com Educating and Empowering since 1988 Live Questions & Answers Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © www.FindMyWayHome.com 2014 California Buyer Assistance Buyer Assistance Programs ★ California Housing Finance Agency ★ FHA,CalPLUS w/ ZIP, ECTP, CHDAP ★ 3 CHF Platinum Grants - Updated 2/2014 ★ SCHFA OC & LA Homebuyer Grant ★ BCA Community Access + CHDAP ★ Questions & Answers Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

2014 California Buyer Assistance What They Have in Common ★ Minimum 640 FICO ★ Maximum $417,000 Loan Amount ★ Income Limits Apply ★ Purchase Price Limits Apply ★ 43% to 45% Debt to Income Ratio Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com Educating and Empowering since 1988 California Housing Finance Agency Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © www.FindMyWayHome.com California Housing Finance Agency CalHFA First Time Homebuyer Loans Buyer Assistance Loans CalPLUS ZIP - CalHFA FHA - ECTP - CHDAP Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

California Housing Finance Agency CalHFA First Time Homebuyer Loans First Time Homebuyer Requirement ★ No Principle Residence for 3 Years ★ Can Own Other Properties (Tax Returns) ★ Qualified Veterans Exempt ★ Federally Designated Target Area Exempt ★ Boomerang Buyers OK after 3 Years Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com California Housing Finance Agency CalHFA First Time Homebuyer Loans Borrower Requirements ★ Must Be Owner Occupied within 60 Days ★ Must Not Exceed CalHFA Income Limits ★ Maximum 43% Debt to Income ★ Minimum 640 FICO ★ 8 Hours Homebuyer Education Class ★ Non-Occupant Co-Signers Allowed Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © Educating and Empowering since 1988 www.BMCLB.com California Housing Finance Agency CalHFA First Time Homebuyer Loans Non-Occupant Co-Signer Rules ★ Must NOT Occupy the Property ★ Must Not be on Title or Have Interest in Home ★ Will have Income, Assets, Liabilities & Credit History Considered by Underwriters Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

California Housing Finance Agency CalHFA First Time Homebuyer Loans Property Requirements ★ Sales Price Limits by County ★ Single Family, One-Unit Residence Only ★ Condominiums Must Be FHA Approved ★ Lot Size Cannot Exceed 5 Acres ★ Must Carry 2 Year Home Warranty Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 Educating and Empowering since 1988 ! www.BMCLB.com © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender California Housing Finance Agency CalHFA First Time Homebuyer Loans CalHFA First Mortgage Loans ★ CalHFA FHA & CalPLUS ★ Both are FHA Insured Mortgages ★ Same Income Limits all Programs ★ Sales Price Limits by County ★ Rates & Fees set by CalHFA Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © Educating and Empowering since 1988 www.BMCLB.com California Housing Finance Agency CalHFA First Time Homebuyer Loans CalPLUS with ZIP ★ CalPLUS Interest Rate is Higher ★ Zero Interest Program (ZIP) CalPLUS Only ★ Silent Second, Deferred for Life of Loan ★ 3.5% of Total Loan Amount inc. UFMIP ★ Automatic Approval with CalPLUS Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

California Housing Finance Agency CalHFA First Time Homebuyer Loans CalHFA CHDAP ★ 3% of Purchase Price ★ Can be used with Non-CalHFA First Mtg ★ Silent Second, Deferred for Life of Loan ★ Income & Sales Price Limits - Most Strict ★ Can be Used in Any Lien Position Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com California Housing Finance Agency CalHFA First Time Homebuyer Loans Extra Credit Teacher Program “The Extra Credit Teacher Home Purchase Program (ECTP) is a deferred payment, simple interest rate subordinate loan.” CalHFA Academic Performance Index (API) 1-5 Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © Educating and Empowering since 1988 www.BMCLB.com California Housing Finance Agency CalHFA First Time Homebuyer Loans Extra Credit Teacher Program ★ Fixed Rate* - Deferred Payments ★ Greater of $7,500 or 3% Sales Price ★ Greater of $15,000 or 3% - High Cost Area ★ 0% Interest after 3 Years* ★ Must Use CalHFA First Mortgage Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

California Housing Finance Agency CalHFA.ca.gov Rate Screenshot on February 18th, 2014 Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com Educating and Empowering since 1988 CHF Platinum Grant Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © www.FindMyWayHome.com CHF Platinum Grant Program Highlights Qualifying Overview ★ Must Use Program First Mortgage ★ 30 Year Fixed FHA, VA, USDA ★ Less of $417,000 or FHA Loan Limit ★ Duplexes Ok ★ Qualify for 1st is Grant Eligible Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

California Homebuyer Grant CHF Platinum Grant CHF Grant Facts ★ Equal to 3% or 5% of 1st Loan ★ Interest Rate Increases at 5% Grant ★ Can be Used for Closing or Down ★ No Cash Back Allowed ★ Lender Requests Grant at Closing ★ Can use with CHDAP - Income Limits Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com California Homebuyer Grant CHF Platinum Grant Borrower Requirements ★ Must be Primary Residence ★ Income Limit 115% AMI / County ★ 640 Minimum Credit Score ★ Maximum DTI 45% ★ Meet all FHA, VA, USDA Guidelines Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © Educating and Empowering since 1988 www.BMCLB.com California Homebuyer Grant CHF Conventional Grant Conventional Grant Facts ★ Equal to 4% of 1st Loan ★ Can be Used for Closing or Down ★ 140% Area Median Income Limit ★ Discount Mortgage Insurance ★ Can use with CHDAP Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

Educating and Empowering since 1988 SCHFA Homebuyer Grant Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender www.FindMyWayHome.com California Homebuyer Grant SCHFA Homebuyer Grant SCHFA Grant Facts ★ Equal to 4% of 1st Loan ★ First Time Buyer = No Primary 3 Yrs ★ Max First Mortgage = $417,000 ★ LA – 1-2 = $99,360 / 3+ = $111,515 ★ OC – 1-2 = $109,800 / 3+ = $128,100 Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © Educating and Empowering since 1988 www.BMCLB.com California Homebuyer Grant SCHFA Homebuyer Grant SCHFA Grant Facts ★ Use for Down Payment or Closing Costs ★ Lender Orders Grant at Closing ★ Use with CHDAP - CalHFA Limits Apply Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

California Homebuyer Grant SCHFA Homebuyer Grant Borrower Requirements ★ Must be Primary Residence ★ 640 Minimum Credit Score ★ Maximum DTI 45% ★ Meet all FHA, VA, USDA Guidelines Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com Educating and Empowering since 1988 Broadview Community Access Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © www.FindMyWayHome.com Discount Mortgage Insurance Broadview Community Access BCA Program Highlights ★ ★ ★ ★ ★ ★ ★ FHA Alternative 5% Down Payment Can use w CHDAP Reduced PMI Rate Reduced Closing Costs Refinance Ok 30 Year Fixed Only Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

Discount Mortgage Insurance Broadview Community Access Homebuyer Qualifying ★ Must be Primary Home ★ Not First Time Buyer Loan ★ Duplexes Allowed ★ 620 to 85.01 - 90% LTV ★ 660 to 90.01 - 95% LTV ★ 680 to 95.01 - 97% LTV Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 Educating and Empowering since 1988 ! www.BMCLB.com © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Discount Mortgage Insurance Community Access 2014 Loan and Income Limits ★ $417,000 Maximum Loan Amount ★ 140% Area Median Income ★ LA & Orange County $93,520 ★ Riverside / San Bernardino $87,640 ★ San Diego $102,260 ★ Contact us for More Limits Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © Educating and Empowering since 1988 www.BMCLB.com Educating and Empowering since 1988 Mix & Match Assistance Programs Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender www.FindMyWayHome.com

Mix & Match Assistance Programs Stacking Options Always Use Most Restrictive Rules ★ CalHFA FHA or CalPLUS + ZIP + ECTP ★ CalHFA FHA or CalPLUS + ZIP + CHDAP ★ CHF Platinum Grant + CHDAP ★ Broadview Community Access + CHDAP ★ Any FHA or Conventional Loan + CHDAP Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 Educating and Empowering since 1988 ! www.BMCLB.com © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 Wrap Up & Take Aways Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © www.FindMyWayHome.com California Homebuyer Assistance Quick Review More Options for Homebuyers ★ CalHFA FHA & CalPLUS ZIP ★ CHDAP, ECTP Assistance Loans ★ CHF & SCHFA Grants - Not Paid Back ★ Community Access + CHDAP - Disc. PMI ★ Approved Lender CalHFA & CHF Platinum Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com

California Homebuyer Assistance Wrap Up & Take Aways Community Programs ★ Community Programs are Back ★ Offered on Level Playing Field ★ More From CalHFA This Year ★ Creative Solutions are Available ★ Creative Lender is Key Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! © Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender Educating and Empowering since 1988 www.BMCLB.com Educating and Empowering since 1988 ! Thank You for Attending! Follow up email with slides, links & resources Use Questions & Answers box for real time response, or call (888) 808-8062 or email: ScottS@BroadviewMortgage.com Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #4130745; Equal Housing Lender. Registered with the Nationwide Mortgage Licensing System and Registry, Broadview Mortgage #170528 Long Beach Branch DOB# 813K754 NMLS# 965157 ! Broadview Mortgage Long Beach. All Rights Reserved. Equal Housing Opportunity Lender © www.FindMyWayHome.com

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