Five 100% Financing Loans You Should Know About

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Information about Five 100% Financing Loans You Should Know About
Real Estate

Published on February 20, 2009

Author: porchlightscott

Source: slideshare.net

Description

We discuss a wide variety of 100% financing options still available to qualifying home buyers.

Topics include community seconds and mortgage credit certificates

Five 100% Financing Loans You Should Know About Thank you for attending We will begin in a moment Class Scheduled to begin at 6:00pm Presented by Scott Schang Sponsored by Broadview Mortgage Corporation 1-866-667-6724

Thank you for attending

We will begin in a moment

Class Scheduled to begin at 6:00pm

Presented by

Scott Schang

Sponsored by

Broadview Mortgage Corporation

1-866-667-6724

Five 100% Financing Loans Topics We Will Cover In This Class Types of 100% Financing Available Five 100% Financing Loan Programs Community Seconds – Mortgage Credit Certificates Getting Approved for Low and No Down Financing Wrap Up and Take Aways Schedule of Upcoming Classes

Topics We Will Cover In This Class

Types of 100% Financing Available

Five 100% Financing Loan Programs

Community Seconds – Mortgage Credit Certificates

Getting Approved for Low and No Down Financing

Wrap Up and Take Aways

Schedule of Upcoming Classes

Five 100% Financing Loans The Purpose and Goals of this Class To Create and Empower Home Owners Educate you about the Specialty Financing Options that allow and provide for 100% financing Empower you with the ability to make informed decisions throughout the home buying process Introduce you to Broadview Mortgage Corporation as Homeownership Education Experts

The Purpose and Goals of this Class

To Create and Empower Home Owners

Educate you about the Specialty Financing Options that allow and provide for 100% financing

Empower you with the ability to make informed decisions throughout the home buying process

Introduce you to Broadview Mortgage Corporation as Homeownership Education Experts

Five 100% Financing Loans Ask Questions throughout presentation You may type questions in at any time during the presentation – Questions box on your screen Homebuyer specialists are standing by to answer your questions during the presentation This is an interactive learning environment. You will get the most value by having your specific questions answered The only dumb question is the one you don’t ask Write number down now in case you get disconnected 1-866-667-6724

Ask Questions throughout presentation

You may type questions in at any time during the presentation – Questions box on your screen

Homebuyer specialists are standing by to answer your questions during the presentation

This is an interactive learning environment. You will get the most value by having your specific questions answered

The only dumb question is the one you don’t ask

Write number down now in case you get disconnected

1-866-667-6724

Five 100% Financing Loans Types of 100% Financing Available 100% First Mortgage Loans – No other liens VA Loans USDA Loans CalHFA – CSHLP & SMART 100% First and Second Mortgages CalPERS FHA + CalPERS Personal Loan FHA + Community 2 nd Conventional – Fannie Mae / Freddie Mac + Community 2 nd City / County / State Assistance Programs First Time Homebuyer Programs - FTHB Down Payment Assistance Programs – DPAP / DAP Mortgage Assistance Programs – MAP Typically require specific qualifying requirements

Types of 100% Financing Available

100% First Mortgage Loans – No other liens

VA Loans

USDA Loans

CalHFA – CSHLP & SMART

100% First and Second Mortgages

CalPERS FHA + CalPERS Personal Loan

FHA + Community 2 nd

Conventional – Fannie Mae / Freddie Mac + Community 2 nd

City / County / State Assistance Programs

First Time Homebuyer Programs - FTHB

Down Payment Assistance Programs – DPAP / DAP

Mortgage Assistance Programs – MAP

Typically require specific qualifying requirements

Five 100% Financing Loans 100% First Mortgage Loans – No other liens VA – Veterans Administration Insured Loans CalHFA – California Housing Finance Agency CSHLP - Community Stabilization Home Loan Program – Bank Owned Foreclosures CalHFA – California Housing Finance Agency SMART – CalHFA Owned Foreclosure Properties USDA – Rural Development Loans

100% First Mortgage Loans – No other liens

VA – Veterans Administration Insured Loans

CalHFA – California Housing Finance Agency

CSHLP - Community Stabilization Home Loan Program – Bank Owned Foreclosures

CalHFA – California Housing Finance Agency

SMART – CalHFA Owned Foreclosure Properties

USDA – Rural Development Loans

Five 100% Financing Loans VA – Veterans Administration Insured Loans 100% Financing One Loan No Down Payment Required No Mortgage Insurance Required Funding Fee is Required by Law Current funding fee is 2.15% - reduced with down payment Can be financed into loan Increased loan limits reinstated under H.R.1 - 2009 Loan limits are determined by County – See link Closing costs may be financed in loan up to 102% No money out of pocket possible – Ask loan officer

VA – Veterans Administration Insured Loans

100% Financing One Loan

No Down Payment Required

No Mortgage Insurance Required

Funding Fee is Required by Law

Current funding fee is 2.15% - reduced with down payment

Can be financed into loan

Increased loan limits reinstated under H.R.1 - 2009

Loan limits are determined by County – See link

Closing costs may be financed in loan up to 102%

No money out of pocket possible – Ask loan officer

Five 100% Financing Loans VA – Veterans Administration Insured Loans Active or Inactive Military – Honorable Discharge No income or first time home buyer limits Up to 4% seller concessions for closing costs Rates set by lenders Can purchase 1-4 Unit Properties Must be Owner Occupied Only

VA – Veterans Administration Insured Loans

Active or Inactive Military – Honorable Discharge

No income or first time home buyer limits

Up to 4% seller concessions for closing costs

Rates set by lenders

Can purchase 1-4 Unit Properties

Must be Owner Occupied Only

Five 100% Financing Loans Community Stabilization Home Loan Program CalHFA - California Housing Finance Agency One of two remaining CalHFA loan programs – See link May use Conforming 100%, FHA, VA or USDA Below market prices offered on select Bank REO Citi, Fannie Mae, HomeEq Servicing, Premier Asset Properties are in lendable condition Cream of the crop homes only – not distressed homes No Down Payment Required 100% financing Maximum 103% CLTV – Closing cost assistance Minimum Credit Score 680 over 95% LTV 660 if LTV is under 95%

Community Stabilization Home Loan Program

CalHFA - California Housing Finance Agency

One of two remaining CalHFA loan programs – See link

May use Conforming 100%, FHA, VA or USDA

Below market prices offered on select Bank REO

Citi, Fannie Mae, HomeEq Servicing, Premier Asset

Properties are in lendable condition

Cream of the crop homes only – not distressed homes

No Down Payment Required

100% financing

Maximum 103% CLTV – Closing cost assistance

Minimum Credit Score 680 over 95% LTV

660 if LTV is under 95%

Five 100% Financing Loans Community Stabilization Home Loan Program 5.5% - 30 year fixed interest rate Special discounted mortgage insurance .59% monthly mortgage insurance premium No upfront mortgage insurance premium Can use seller concessions to cover closing costs Must be a First Time Home Buyer Can not have owned a home in past 3 years Exception is if home located in Federally designated “Targeted LMI Area” – See link Borrower must qualify as Low to Moderate Income LMI varies by number in household and county – See link Can use community seconds for down payment

Community Stabilization Home Loan Program

5.5% - 30 year fixed interest rate

Special discounted mortgage insurance

.59% monthly mortgage insurance premium

No upfront mortgage insurance premium

Can use seller concessions to cover closing costs

Must be a First Time Home Buyer

Can not have owned a home in past 3 years

Exception is if home located in Federally designated “Targeted LMI Area” – See link

Borrower must qualify as Low to Moderate Income

LMI varies by number in household and county – See link

Can use community seconds for down payment

Five 100% Financing Loans                 Counties and Zip Codes for CLHLP Homes

               

Five 100% Financing Loans SMART – CalHFA REO Homes CalHFA - California Housing Finance Agency One of two remaining CalHFA loan programs – See link May use Conforming 100%, FHA, VA or USDA loans Below market prices offered for quick sales Properties are in lendable condition Cream of the crop homes only – not distressed homes No Down Payment Required 100% financing Maximum 102% CLTV – Closing cost assistance Minimum Credit Score 680 over 95% LTV 660 if LTV is under 95%

SMART – CalHFA REO Homes

CalHFA - California Housing Finance Agency

One of two remaining CalHFA loan programs – See link

May use Conforming 100%, FHA, VA or USDA loans

Below market prices offered for quick sales

Properties are in lendable condition

Cream of the crop homes only – not distressed homes

No Down Payment Required

100% financing

Maximum 102% CLTV – Closing cost assistance

Minimum Credit Score 680 over 95% LTV

660 if LTV is under 95%

Five 100% Financing Loans SMART – CalHFA REO Homes 5.5% - 30 year fixed interest rate Monthly mortgage insurance required .96% monthly mortgage insurance premium No upfront mortgage insurance premium Can use seller concessions to cover closing costs Must be a First Time Home Buyer Can not have owned a home in past 3 years Exception is if home located in Federally designated “Targeted LMI Area” – See link Borrower must qualify as Low to Moderate Income LMI varies by number in household and county – see link Can use community seconds for down payment

SMART – CalHFA REO Homes

5.5% - 30 year fixed interest rate

Monthly mortgage insurance required

.96% monthly mortgage insurance premium

No upfront mortgage insurance premium

Can use seller concessions to cover closing costs

Must be a First Time Home Buyer

Can not have owned a home in past 3 years

Exception is if home located in Federally designated “Targeted LMI Area” – See link

Borrower must qualify as Low to Moderate Income

LMI varies by number in household and county – see link

Can use community seconds for down payment

Five 100% Financing Loans USDA – Rural Housing Development Program Home must be located in a Rural area Open country and places with population of 10,000 or less Under certain conditions, towns and cities with between 10,000 and 25,000 residents may be eligible Property can not be used as income producing - crops or livestock USDA Rural Development field offices can determine eligible areas – See link 100% One loan financing – 2% Guarantee Fee 102% maximum LTV if Guaranty Fee is financed No monthly recurring monthly expense charged for guaranteeing the loan – No mortgage insurance

USDA – Rural Housing Development Program

Home must be located in a Rural area

Open country and places with population of 10,000 or less

Under certain conditions, towns and cities with between 10,000 and 25,000 residents may be eligible

Property can not be used as income producing - crops or livestock

USDA Rural Development field offices can determine eligible areas – See link

100% One loan financing – 2% Guarantee Fee

102% maximum LTV if Guaranty Fee is financed

No monthly recurring monthly expense charged for guaranteeing the loan – No mortgage insurance

Five 100% Financing Loans USDA – Rural Housing Development Program No specific credit score requirements Applicants must have a credit history that indicates a reasonable ability and willingness to meet obligation as they become due Debt to Income Requirements Housing expenses not to exceed 29% - PITI / Gross income Household expenses not to exceed 41% Debt to Income Requirement Waiver Compensating Factors Credit score of 660 or higher Cash reserves after close Similar housing expenditure – low payment shock Potential for increased earning and career advancement

USDA – Rural Housing Development Program

No specific credit score requirements

Applicants must have a credit history that indicates a reasonable ability and willingness to meet obligation as they become due

Debt to Income Requirements

Housing expenses not to exceed 29% - PITI / Gross income

Household expenses not to exceed 41%

Debt to Income Requirement Waiver

Compensating Factors

Credit score of 660 or higher

Cash reserves after close

Similar housing expenditure – low payment shock

Potential for increased earning and career advancement

Five 100% Financing Loans USDA – Rural Housing Development Program Adjusted annual household income can not exceed the moderate income – See link Total gross income of applicant, co-applicant and any other adults in the household Minus certain adjustments such as child care expenses 30 Year fixed rate mortgage at market rates Must be owner occupied Seller may contribute to the buyer’s closing costs Loan may include closing costs and guarantee fee if appraised value is higher than sales price

USDA – Rural Housing Development Program

Adjusted annual household income can not exceed the moderate income – See link

Total gross income of applicant, co-applicant and any other adults in the household

Minus certain adjustments such as child care expenses

30 Year fixed rate mortgage at market rates

Must be owner occupied

Seller may contribute to the buyer’s closing costs

Loan may include closing costs and guarantee fee if appraised value is higher than sales price

Five 100% Financing Loans CalPERS FHA with CalPERS Personal Loan Eligible Borrowers Active or inactive members of CalPERS, LRS and JRS Retired and annuitants members, and Tier Two Member whose contributions are service credits are not eligible for the Personal Loan Down Payment Assistance Program Available to take out for the purposes of contributing to down payment only – Not closing costs CalPERS Personal Loan is secured by Member’s retirement account with a pledge agreement Funds are not withdrawn from Member’s account Pension used as collateral CalPERS Personal Loan No lien is placed against the property

CalPERS FHA with CalPERS Personal Loan

Eligible Borrowers

Active or inactive members of CalPERS, LRS and JRS

Retired and annuitants members, and Tier Two Member whose contributions are service credits are not eligible for the Personal Loan

Down Payment Assistance Program

Available to take out for the purposes of contributing to down payment only – Not closing costs

CalPERS Personal Loan is secured by Member’s retirement account with a pledge agreement

Funds are not withdrawn from Member’s account

Pension used as collateral CalPERS Personal Loan

No lien is placed against the property

Five 100% Financing Loans CalPERS FHA with CalPERS Personal Loan Maximum purchase price $350,000 Use CalPERS FHA 1 st - Maximum 96.5% LTV Personal loan up to 5% of value of home Up to 50% of Member’s current contribution Minimum loan is $1,000 Maximum loan is $18,421 Eligible Properties Single family residence - Detached Condominiums - Attached Planned Urban Development – PUD No multi family properties - 2 to 4 units not eligible

CalPERS FHA with CalPERS Personal Loan

Maximum purchase price $350,000

Use CalPERS FHA 1 st - Maximum 96.5% LTV

Personal loan up to 5% of value of home

Up to 50% of Member’s current contribution

Minimum loan is $1,000

Maximum loan is $18,421

Eligible Properties

Single family residence - Detached

Condominiums - Attached

Planned Urban Development – PUD

No multi family properties - 2 to 4 units not eligible

Five 100% Financing Loans CalPERS FHA with CalPERS Personal Loan Must be occupied as principle residence Personal Loan Type Personal loan is fixed rate, fully amortized Loan Term Loan term is determined by loan amount $1,000 - $1,499 3 Years $1,500 - $2,999 4 Years $3,000 - $4,999 5 Years $5,000 - $9,999 10 Years -$10,000 - $18,421 15 Years Minimum loan term is 1 year / Max is 15 years

CalPERS FHA with CalPERS Personal Loan

Must be occupied as principle residence

Personal Loan Type

Personal loan is fixed rate, fully amortized

Loan Term

Loan term is determined by loan amount

$1,000 - $1,499 3 Years

$1,500 - $2,999 4 Years

$3,000 - $4,999 5 Years

$5,000 - $9,999 10 Years

-$10,000 - $18,421 15 Years

Minimum loan term is 1 year / Max is 15 years

Five 100% Financing Loans Community Seconds – DPA / DPAP / MAP State Offered – California Housing Finance Agency All down payment assistance temporarily suspended SMART and CSHLP still available Most Counties offer down payment assistance Many Cities offer down payment assistance Those that do not use County programs Often very difficult to find information Search city / county website under departments Look for housing department or community development We have created a site – www.CDPAP.com www.CaliforniaDownPaymentAssistancePrograms.com Over 100 currently listed and updated daily

Community Seconds – DPA / DPAP / MAP

State Offered – California Housing Finance Agency

All down payment assistance temporarily suspended

SMART and CSHLP still available

Most Counties offer down payment assistance

Many Cities offer down payment assistance

Those that do not use County programs

Often very difficult to find information

Search city / county website under departments

Look for housing department or community development

We have created a site – www.CDPAP.com

www.CaliforniaDownPaymentAssistancePrograms.com

Over 100 currently listed and updated daily

Five 100% Financing Loans Community Seconds – DPA / DPAP / MAP Common Challenges with Community Seconds Funds are typically only available at beginning of fiscal year Funds are limited and exhausted very quickly Common Qualification Requirements First time homebuyer requirement – exceptions are single parents and divorcee’s Income limits – % of Area Median Income (AMI) is typical Purchase price limits Common Features of Down Payment Assistance May require minimum contribution by buyer – 1% common Usually silent second mortgage – no payments for life May become Grant and forgiven after period – 15/30 years Can be in any amount - $1,000 to over $100,000

Community Seconds – DPA / DPAP / MAP

Common Challenges with Community Seconds

Funds are typically only available at beginning of fiscal year

Funds are limited and exhausted very quickly

Common Qualification Requirements

First time homebuyer requirement – exceptions are single parents and divorcee’s

Income limits – % of Area Median Income (AMI) is typical

Purchase price limits

Common Features of Down Payment Assistance

May require minimum contribution by buyer – 1% common

Usually silent second mortgage – no payments for life

May become Grant and forgiven after period – 15/30 years

Can be in any amount - $1,000 to over $100,000

Five 100% Financing Loans Mortgage Credit Certificates - MCC A Mortgage Credit Certificate (MCC) entitles qualified home buyers to reduce the amount of their federal income tax liability by an amount equal to a portion of the interest paid during the year on a home mortgage This tax credit allows the buyer to qualify more easily for a loan by increasing effective income of the buyer The MCC is in effect for the life of the loan as long as the home remains the borrower’s principal residence The MCC is not transferable to a new loan when refinancing, nor can it be assigned or transferred to a new buyer or another home.

Mortgage Credit Certificates - MCC

A Mortgage Credit Certificate (MCC) entitles qualified home buyers to reduce the amount of their federal income tax liability by an amount equal to a portion of the interest paid during the year on a home mortgage

This tax credit allows the buyer to qualify more easily for a loan by increasing effective income of the buyer

The MCC is in effect for the life of the loan as long as the home remains the borrower’s principal residence

The MCC is not transferable to a new loan when refinancing, nor can it be assigned or transferred to a new buyer or another home.

Five 100% Financing Loans Mortgage Credit Certificates - MCC MCC Programs typically include a recapture provision which provides for a return of tax credits taken if the property ceases to be the borrower’s primary residence within recapture period County of Riverside is 9 years The amount of tax recapture is determined by formula, and provided to the borrower at the time the application is taken. After expiration of the recapture period, the borrower may dispense of the property without incurring penalty, but would lose the future benefits of the MCC.

Mortgage Credit Certificates - MCC

MCC Programs typically include a recapture provision which provides for a return of tax credits taken if the property ceases to be the borrower’s primary residence within recapture period

County of Riverside is 9 years

The amount of tax recapture is determined by formula, and provided to the borrower at the time the application is taken.

After expiration of the recapture period, the borrower may dispense of the property without incurring penalty, but would lose the future benefits of the MCC.

Five 100% Financing Loans Mortgage Credit Certificates - MCC The three basic qualifications are: (1) The borrower must be a First Time Home Buyer; (2) The borrowers annual income must fall within the program income limits; and (3) The home being purchased must fall within the program purchase price limits. If the home is located in a Target Area, then the first-time buyer limitation does not apply and the income and cost limits are higher.

Mortgage Credit Certificates - MCC

The three basic qualifications are:

(1) The borrower must be a First Time Home Buyer;

(2) The borrowers annual income must fall within the program income limits; and

(3) The home being purchased must fall within the program purchase price limits.

If the home is located in a Target Area, then the first-time buyer limitation does not apply and the income and cost limits are higher.

Five 100% Financing Loans Getting Approved for Low and No Down Financing Some programs require you “belong” to qualify Public Employees Retirement System / Veteran Admin May have to purchase certain homes in certain areas USDA - Must be in Rural area CSHLP / SMART - Only specific properties available May have to meet certain qualifying guidelines Specific debt to income ratios Minimum credit scores Income limitations First time homebuyer restrictions Must be approved for purchase loan first Community seconds Mortgage credit certificates

Getting Approved for Low and No Down Financing

Some programs require you “belong” to qualify

Public Employees Retirement System / Veteran Admin

May have to purchase certain homes in certain areas

USDA - Must be in Rural area

CSHLP / SMART - Only specific properties available

May have to meet certain qualifying guidelines

Specific debt to income ratios

Minimum credit scores

Income limitations

First time homebuyer restrictions

Must be approved for purchase loan first

Community seconds

Mortgage credit certificates

Five 100% Financing Loans Getting Approved for Low and No Down Financing Many of these programs require lender be approved to offer such programs – Not all lenders qualify FHA / VA / USDA / CalHFA / CalPERS / CalSTRS Community seconds and MCC may require lender approval Get approved for purchase loan financing FIRST All loan programs require that you qualify for a loan We will research all applicable loan options available to you You may qualify for more than one option – compare We will also research down payment assistance options available to you based on approval Broadview Mortgage is an Approved Lender Apply on-line or over the phone in minutes

Getting Approved for Low and No Down Financing

Many of these programs require lender be approved to offer such programs – Not all lenders qualify

FHA / VA / USDA / CalHFA / CalPERS / CalSTRS

Community seconds and MCC may require lender approval

Get approved for purchase loan financing FIRST

All loan programs require that you qualify for a loan

We will research all applicable loan options available to you

You may qualify for more than one option – compare

We will also research down payment assistance options available to you based on approval

Broadview Mortgage is an Approved Lender

Apply on-line or over the phone in minutes

Five 100% Financing Loans Wrap up and Take Aways We are a direct Lender that specializes in CalSTRS, CalPERS, CalHFA, FHA, VA, USDA, Community seconds programs, MCC programs and homeownership education We are more than happy to be your “second opinion” if you are already working with someone We are more than happy to refer you to a qualified Real Estate Agent that shares our values for education and empowerment We are committed to educating and empowering homeowners - Join us for future classes

Wrap up and Take Aways

We are a direct Lender that specializes in CalSTRS, CalPERS, CalHFA, FHA, VA, USDA, Community seconds programs, MCC programs and homeownership education

We are more than happy to be your “second opinion” if you are already working with someone

We are more than happy to refer you to a qualified Real Estate Agent that shares our values for education and empowerment

We are committed to educating and empowering homeowners - Join us for future classes

Five 100% Financing Loans Wrap up and Take Aways You will receive a “Thank you” email with links to the information we’ve talked about here today including Copy of power point presentation Secure on-line loan application Links to all the topics we discussed in class Dream Home Finder request Link to more information about Tax Credit A schedule of all upcoming classes

Wrap up and Take Aways

You will receive a “Thank you” email with links to the information we’ve talked about here today including

Copy of power point presentation

Secure on-line loan application

Links to all the topics we discussed in class

Dream Home Finder request

Link to more information about Tax Credit

A schedule of all upcoming classes

Upcoming Homebuyer Classes A First Time Home buyer’s Complete Guide to Credit, Qualifying and Completing the Loan Application A Complete Guide to Buying Foreclosures and Short Sales A Complete Guide to Closing Costs and the Good Faith Estimate A Complete Guide to the CalPERS Home Loan Program A Complete Guide to CalSTRS Home Purchase Loan A Complete Guide to FHA Purchase Loans Working to record and archive all classes for viewing anytime – I will keep you updated Check back often for upcoming classes

A First Time Home buyer’s Complete Guide to Credit, Qualifying and Completing the Loan Application

A Complete Guide to Buying Foreclosures and Short Sales

A Complete Guide to Closing Costs and the Good Faith Estimate

A Complete Guide to the CalPERS Home Loan Program

A Complete Guide to CalSTRS Home Purchase Loan

A Complete Guide to FHA Purchase Loans

Working to record and archive all classes for viewing anytime – I will keep you updated

Check back often for upcoming classes

Thank You for Attending If you enjoyed this class – Tell a friend  Your input is Valuable Please complete 2 question survey when you log off For more information 1-866-667-6724 Presented by Scott Schang Sponsored by Broadview Mortgage Corporation

Your input is Valuable

Please complete 2 question survey when you log off

For more information

1-866-667-6724

Presented by

Scott Schang

Sponsored by

Broadview Mortgage Corporation

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