Home Loans

We offer many home loans to benefit you the best financially.
FHAUSDA Rural, HomePath, 203k Loans, Chenoa Fund, CalHFA, or Platinum Grant down payment assistance program home loans, City DAP's, County DAP's, MCC Certificates, VACalVetConventionalJumbo, Super Jumbo, Stated Income Loans, Foreign National Home Loans and many other home loans.
FHA, USDA Rural and VA loans are available for as low as 500 fico score.
No Fico Score is Ok. BK, Short Sale, Foreclosure, deed in lieu due to extenuating circumstances 1 yr Ok.
Under 640, 620, 580 Fico Score Loans Specialists.
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Offering you the home loans that best fit your needs by giving you choices to choose from so you can make an informed decision. We offer purchase loans from Zero down USDA Rural, Platinum Grant Down Payment Assistance Programs.
We have the loan for You.
*Specialize in Under 640, 620, 580 Fico Score Loans.

First Time Home buyer Specialists


FHA Loan Programs

FHA from a minimum 500 fico score

FHA may be the loan for you if

  • You have blemished credit OK
  • Under 640, 620, 580 Fico Score OK
  • Low as 500 Fico Score OK
  • No Fico Score OK
  • BK 2 yrs OK
  • Foreclosure 3 yrs OK
  • Low Down payment OK
  • Low Closing Costs OK
  • First Time Home buyer

  *Need Down payment and/or closing costs assistance? I offer 7 Zero Down programs to choose from. 

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Since 1992

Contact us to qualify

As a mortgage brokerage we have 25-30 banks to fit your credit profile for the lowest rate and terms.

We offer FHA and VA financing from a minimum 500 fico score and we offer Jumbo financing from a minimum 540 fico score, USDA Rural Zero Down and FHA 3.5% down from a minimum 580 fico.

Do not disqualify yourself and contact us to check which loan programs you qualify for and make an informed decision. YOU have Nothing to Lose and Equity to GAIN. Contact us today.


Sheryl Arndt

Next Steps...

Buy, Sell or Refinance and contact us for the loan program, rates and terms to fit your credit profile and make an informed decision today.