FHA Loans

FHA Loans or Conventional Loans

Zero Down or Down Payment Assistance, 20% Down? What are your Fico Score’s?  What are your income, assets, credit qualifications? These are the deciding factors for a home loan. We will offer you the choices that fit your needs. Loan Programs,

down payment, mortgage rate and terms to fit what your looking for in a mortgage.

We offer all of the programs available today. Sheryl Arndt and associates are Your Under 640, 620, 580 Fico Score Loans Specialist. We are first time home buyer specialists in real estate and loans.

FHA Loans Give Homebuyers More Options!
The FHA mortgage can make your homebuying dream a reality with competitive rates and a low down payment.

The FHA Loans Offer

  • Minimum 500 fico score may qualify 10% down
  • Minimum 580 fico score may qualify 3.5% down
  • No Pre-payment Penalty
  • Assumable
  • Lower interest rates than conventional loans
  • Very low down payment which can be a gift
  • Payment includes taxes and insurance
  • Accommodates lower credit scores
  • Available for SFR, condo, duplex, 3-4 units, manufactured
  • Seller can pay 6% closing costs, prepaids
  • No Fico Score with alternative credit Ok
  • BK 2 yrs Ok
  • Foreclosure, short sale, deed in lieu 3 yrs Ok
  • Easier guidelines to qualify
  • Up to $453,100 and High Balance/Jumbo $679,650
  • 203k, 203k streamline rehab loans are available CA only


FHA Loans
FHA Loans
Don’t Hesitate. The time is right, The time is now to Invest in Real Estate!
You Have Nothing to Lose and EQUITY to GAIN.
Contact us 760-486-4225 for your loan approval or to discuss mortgage program options. Are you ready for loan approval today?
You must have this needs list of documents for loan approval. What are you waiting for? Loan Approval in minutes with the loan program to fit your financial needs. Buy Today! Home Prices are on the rise, don’t miss the boat. Invest today…
Streamline refinance your FHA mortgage to lower your mortgage insurance today.

FHA Streamline Refinance Offers

  • Lower monthly mortgage insurance
  • Up to 85% LTV for cash out

HUD reduced the monthly mortgage insurance premium from 1.35% of the loan amount to 0.85% of the loan which could be a substantial monthly savings for you if you were to Streamline your mortgage.

The Streamline program does not require an appraisal and in many cases no income or credit qualifying and does not add any more to the current loan balance.  The new loan amount is not any higher than your current loan amount so this is a very simple process to accomplish this savings.  Rates are very good right now too.
Please let me know if you have any questions. 760-486-4225

The FHA Streamline Refinance is designed to lower the interest rate on a current FHA Home Loan or convert a current FHA adjustable rate mortgage into a fixed rate. A Streamline Refinance can be performed quickly and easily. A streamline refinance requires much less hassle and paperwork than a normal refinance including no appraisal, no qualifying debt ratios and no income verification.


Conventional     Jumbo     USDA Rural     VA     CalVet     DAP’s     Refinance     203k