Alta Sierra FHA First Time Home Buyer
FHA First Time Home Buyer Alta Sierra 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 Alta Sierra FHA Pre Approval Letter, you can have a pre-approved mortgage amount before you decide on the home you want. Your pre-approved Alta Sierra California mortgage provides you the buying power of a cash buyer. The first step in the FHA home buying process is gettingPre-Approved.. Click Apply Online 
Getting FHA Pre-approved
How much house can you afford? Knowing how much you can borrow will help narrow the search for your new home. California First Time Home Buyer Loans 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 a large down payment. The first step in the FHA home buying process is gettingPre-Approved.. Click Apply Online
Alta Sierra FHA First Time Home Buyer Questions Call Toll Free (877) 457-1447 We are fully staffed with licensed California FHA Loan Officers.
Alta Sierra Pre-Approvals Apply today and we will provide you with a 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.
Alta Sierra FHA 203(k) Streamline Limited Repair - FHA rehab financing for home improvements all in 1 loan.
- make limited upgrades and repairs to the property up to $35,000.
Alta Sierra 100% Home Loan - Zero Down - buy your home with NO money down
- 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.
Fair credit history required. Fixed rate financing - enjoy the security of knowing what your monthly payments will be for the life of the loan.Alta Sierra 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% 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.
Alta Sierra High Ratio Fixed Rate Loans Allows borrowers with good credit but limited income to buy more house: - Allows for fifty percent (60%) 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 2% cash investment
- Affords the security of a fixed payment
Alta Sierra 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
Alta Sierra 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 FHA 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 FHA home buying process is getting Pre-Approved.. Click Apply Online
Alta Sierra FHA First Time Home Buyer Questions California FHA Home Loan Questions Call Toll Free (877) 457-1447 |  | FHA LOAN | | We specialize in Alta Sierra California FHA first time home buyer programs and FHA home improvement loan programs. | | more |
| HOME BUYER | | Get Approved today to buy your dream home, we offer same day approval and email pre approval certificates. | | more |
| VA LOANS | | VA mortgages and VA home loans with Zero Down payment, get your VA certificate of eligibility today. | | more |
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FHA First Time Home Buyer
