Shows
First Time Home Buyer’s RadioCalHFA- Dream for All - Shared Appreciation programGreat conversation with Molly K. Ellis( CalHFA’s Training and Out Reach Manager).Topic of the day: their newest Down Payment Asst program:“Dream For All Shared Appreciation Loan”.Program goes live March 27, 2023As Paul Harvey would say: here’s the rest of the story( especially for all the IG click bait misinformation)#calhfa#DPA#fthb#realestatemarket#realestateagents2023-03-3111 minFirst Time Home Buyer’s RadioCalifornia changes to Solar - starting April 14th, 2023Great conversation with Solar Lily ( SunLily Energy)Today's conversation is all about Solar and the uncoming California PUC change to solar ( NEM 3.0 starts April 14, 2023)LIsten in for the details....We were at separate small businesses Cafe for our zoom call:Lily was at the Apartment Cafe in Rancho Cucamonga, CAI was at Barrio's Cafe in Sacramento, CAPlease support small businesses2023-02-0325 minFirst Time Home Buyer’s RadioGSFA - Platinum DPA program- Conventional optionGreat conversation with Meagan Harris ( Trainer for GSFA ( Golden State Finance Authority) )Today we spoke about GSFA’s Platinum Down Payment Assistance program- their Conventional Financing option.If you are looking for down payment & closing costs assistance… Listen inPS: i work for Empire Home Loans, Inc. - not Empire mortgage ( sorry for the error on the interview)2023-01-2116 minFirst Time Home Buyer’s RadioAccessory Dwelling Units (ADU) Conversation with a Southern California RealtorGreat conversation with Stephanie Gutierrez ( Realtor with Keller Williams in So CAl)Stephanie is a huge advocate and facilitator of ADU in So Cal..2022-10-2910 minFirst Time Home Buyer’s RadioCalHFA $40k ADU GrantGreat Conversation with Molly Ellis ( Training Manager for CalHFA) we are discussing their $40k ADU grant and how to access the $$2022-10-2218 minFirst Time Home Buyer’s RadioGSFA Community Based DPA loan ProgramGreat Conversation with Meagan Harris ( GSFA Trainer) Today's conversation was about their new DPA ( Down payment Asst) program.It focuses on certain communities for their special financing listen in for more details 2022-06-1013 minFirst Time Home Buyer’s RadioGolden State Finance Authority - Conventional Platinum DPAGreat conversation with Meagan Harris ( Trainer for Golden State Finance Authority (GSFA)).We spoke about their Conventional Platinum Down Payment Asst program.If you are looking for Down Payment and Closing Cost Assistance to purchase your home you will live in .. this is a great program2021-10-2914 minFirst Time Home Buyer’s RadioGolden State Finance Authority - Conventional Open Door DPAGreat conversation with Meagan Harris ( Trainer for Golden State Finance Authority (GSFA)).We spoke about their Conventional Open Door Down Payment Asst program.If you are looking for Down Payment and Closing Cost Assistance to purchase your home you will live in .. this is a great program2021-10-1515 minFirst Time Home Buyer’s RadioFreddie Mac - allows only 5% down for a purchase of a duplex, triplex or FourplexResidential home loans closing on or after November 15, 2021 .. can qualify to purchase a duplex, triplex or fourplex with only 5% down payment. (One unit has to be owner occupied. )Golden State Finance Authority in California or National Homebuyers Fund outside California can help with down payment and closing cost assistance ..listen in to the podcast for more details..Reach out to me with questions.. 2021-09-2805 minFirst Time Home Buyer’s RadioCalHFA Conventional Home Loan Down Payment and Closing Cost Asst programGreat conversation with Molly Ellis ( Trainer for CalHFA)Today's conversation is all about their Conventional loan program with Down payment and Closing Cost Asst..2021-05-0726 minFirst Time Home Buyer’s RadioCalHFA USDA Home Loan Down Payment and Closing Cost Asst programGreat conversation with Molly Ellis ( Trainer for CalHFA)Today's conversation is all about their USDA loan program with Down payment and Closing Cost Asst..2021-04-2307 minFirst Time Home Buyer’s RadioCalHFA VA Home Loan Down Payment and Closing Cost Asst programGreat conversation with Molly Ellis ( Trainer for CalHFA)Today's conversation is all about their VA loan program with Down payment and Closing Cost Asst..2021-04-0904 minFirst Time Home Buyer’s RadioCalHFA FHA Home Loan Down Payment and Closing Cost Asst programsGreat conversation with Molly Ellis ( Trainer for CalHFA)Today's conversation is all about their FHA loan program with Down payment and Closing Cost Asst..2021-03-2621 minFirst Time Home Buyer’s RadioGSFA (Golden State Finance Authority) Open Door Conventional loan programGreat conversation with Meagan Harris ( Trainer for GSFA)Today's conversation is all about their Open Door Conventional loan program with Down payment and Closing Cost Asst..2021-03-1229 minFirst Time Home Buyer’s RadioGSFA (Golden State Finance Authority) Open Door FHA,VA and USDA loan programGreat conversation with Meagan Harris ( Trainer for GSFA)Today's conversation is all about their Open Door Gov't loan programs with Down payment and Closing Cost Asst..2021-03-0132 minFirst Time Home Buyer’s RadioGSFA (Golden State Finance Authority) Platinum Conventional loan programGreat conversation with Meagan Harris ( Trainer for Golden State Finance Authority) We chatted about their Conventional Home Loan program utilizing their Downpayment and Closing Cost asst 2021-01-2323 minFirst Time Home Buyer’s RadioGSFA (Golden State Finance Authority) Platinum FHA,VA and USDA loan programGreat conversation with Meagan Harris ( Trainer for Golden State Finance Authority) -Today's chat was on all their Government home loan programs utilizing their Downpayment and Closing Cost assistance.Listen in...2021-01-0928 minFirst Time Home Buyer’s RadioCredit - UpdateGreat conversation with Alex Erlich (My Credit Guy) - State of Credit 2020-11-2137 minFirst Time Home Buyer’s RadioGSFA (Golden State Finance Authority) loan programGreat Conversation with Meagan Harris (GSFA Trainer) Listen in 2020-09-0815 minFirst Time Home Buyer’s RadioGSFA (Golden State Finance Authority) Open Door FHA,VA and USDA loan programGreat conversation with Meagan Harris (Trainer with GSFA).Topics:Their Open Doors (FHA,VA & USDA) Down Payment Asst (DPA) loanWho QualifiesCredit Score needed to qualify for their DPADTI ( Dept to Income) RatiosHow their asst breaksdown (Gift and Loan)and a lot more about their program2020-08-1911 minFirst Time Home Buyer’s RadioGSFA (Golden State Finance Authority) Open Door Conventional loan programGreat conversation with Meagan Harris (Trainer with GSFA).Topics:Their Open Doors Conventional Down Payment Asst (DPA) loanWho QualifiesCredit Score needed to qualify for their DPADTI ( Dept to Income) RatiosHow their asst breaksdown (Gift and Loan)and a lot more about their program2020-08-0517 minFirst Time Home Buyer’s RadioGSFA (Golden State Finance Authority) Platinum FHA,VA and USDA loan programGreat conversation with Meagan Harris (Trainer with GSFA).Topics:Their Platinum Gov't Loans (FHA,VA,USDA) Down Payment Asst (DPA) loanWho QualifiesCredit Score needed to qualify for their DPADTI ( Dept to Income) RatiosHow their asst breaksdown (Gift and Loan)and a lot more about their program2020-07-2210 minFirst Time Home Buyer’s RadioGSFA (Golden State Finance Authority) Platinum Conventional loan programGreat conversation with Meagan Harris (Trainer with GSFA).Topics:Their Platinum Conventional Down Payment Asst (DPA) loanWho QualifiesCredit Score needed to qualify for their DPADTI ( Dept to Income) RatiosHow their asst breaksdown (Gift and Loan)and a lot more about their program2020-07-0811 minFirst Time Home Buyer’s RadioCalHFA VA and USDA Home Loan Down Payment Asst programGreat Conversation with Molly Ellis (Trainer for CalHFA)We spoke all about their VA and USDA downpayment and Closing Cost Asst programs2020-06-2305 minFirst Time Home Buyer’s RadioCalHFA FHA Home Loan Down Payment Asst programGreat conversation with Molly Ellis ( Trainer for CalHFA)We spoke all about their FHA home loan programs - Downpayment and Closing Cost Asst) 2020-06-0911 minFirst Time Home Buyer’s RadioCalHFA Conventional Home Loan Down Payment Asst programGreat Conversation with Molly Ellis ( Trainer for CalHFA)We spoke all about their Convention Home Loan programs and their Downpayment and closing cost assistance 2020-05-2609 minFirst Time Home Buyer’s RadioGolden State Finance Authority (GSFA) April 2020 updateMeagan Harris (Trainer for GSFA) updates us on their programs 2020-05-0705 minFirst Time Home Buyer’s RadioCalHFA (California Housing Finance Agency) Update on their Down Payment Asst programMolly Ellis (Trainer for CalHFA) updates us on all their Down Payment Asst programs2020-04-2415 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeOn this episode: Interviewing Tracie Panish (Partner's Credit) Topics:Fico 10 & 10TFreezing and Unfreezing your Credit Trigger Leads and www.optoutprescreen.com to avoid becoming a victim 2020-02-0308 minFirst Time Home Buyer’s RadioGolden State Finance Authority (GSFA) Home Loan programsConversation with Carolyn Sunseri (GSFA) all about their Home Loan Programs2019-11-2106 minFirst Time Home Buyer’s RadioCalHFA My Home and Schools programsConversation with Molly Ellis (CalHFA ) all about their Home Buyer's assistance programs2019-11-1404 minFirst Time Home Buyer’s RadioCalHFA USDA Home Loan ProgramConversation with Molly Ellis (CalHFA) all about their USDA Home Loan program2019-11-0701 minFirst Time Home Buyer’s RadioCalHFA VA loan programConversation with Molly Ellis (CalHFA) all about their VA Home Loan Program 2019-10-3101 minFirst Time Home Buyer’s RadioCalHFA FHA loan programsConversation with Molly Ellis (CalHFA) all about their FHA programs2019-10-2405 minFirst Time Home Buyer’s RadioCalHFA Conventional Home Loan ProgramsConversation with Molly Ellis (CalHFA) all about their Conventional Home Loan Programs2019-10-1704 minFirst Time Home Buyer’s RadioBusting Credit MythsConversation with Traci Panish ( Partners Credit)Busting Credit Myths2019-10-0207 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeGolden State Finance Authority (GSFA) - USDA Home Loan program with a GrantDPA is available from GSFA for Purchase transactions as outlined below:DPA Amount:• USDA: Up to 4.00% of the First Mortgage Loan amount.Grant forgive after closeOccupancy:• Borrower must occupy the residence as their primary residence.• For non-occupant co-borrowers, refer to loan agency guidelines.Eligible Properties:• Single Family (1 -4 Unit) properties ONLY, as allowed per Agency guidelines.• Manufactured housing allowed with a minimum of 680 FICO (no manualunderwriting)Income Limits (ba...2019-02-0702 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeThe MyHome Assistance Program (MyHome) is a deferred payment, simple interest ratesubordinate loan that may only be used with a CalHFA first mortgage. Your low to moderateincome first-time homebuyer can use this loan for down payment and/or closing cost assistance. The MyHome loan provides up to 3.50% of the sales price or appraised value of theproperty, whichever is less, and must be recorded in second lien position.CalHFA allows qualified homebuyers to layer other down payment assistance loans or grantsto maximize affordability (with the exception of the School Program).2019-02-0703 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeGolden State Finance Authority (GSFA) FHA: 203(b), 203(b)(2), 203(h), and 234(c); in accordance with FHAguidelines.o Cooperative housing (co-op) is not eligible.o For Energy Efficient Mortgage (EEM) loans, reference section forPlatinum “Select” eligibility.DPA is available from GSFA for Purchase transactions as outlined below:DPA Amount:• FHA: Up to 4.00% of the Total First Mortgage Loan amountMinimum Credit Score: 640.Maximum DTI: 45%.Home buyer Education:• Please refer to loan agency for specific requirements.2019-02-0703 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeGolden State Finance Authority (GSFA) - VADPA ( Down Payment Asst) is available from GSFA for Purchase transactions as outlined below:DPA Amount:• VA: Up to 4.00% of the First Mortgage Loan amount.Categories eligible for instant Grant (no waiting period after close)FHA or VA Mortgages where borrower has one of the following occupations inCalifornia:o Peace Officers, Sheriff, Border Patrol Agents, Correctional Officers andothers serving in a Law Enforcement capacity;o Firefighters, CalFire, paramedic, and Emergency Medical Technicians(EMTs), including administrative staff tha...2019-02-0703 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeGolden State Finance Authority (GSFA)DPA ( Down Payment Asst) is available from GSFA for Purchase transactions as outlined below:DPA Amount:• VA: Up to 4.00% of the First Mortgage Loan amount.Categories eligible for instant Grant (no waiting period after close)FHA or VA Mortgages where borrower has one of the following occupations inCalifornia:o Peace Officers, Sheriff, Border Patrol Agents, Correctional Officers andothers serving in a Law Enforcement capacity;o Firefighters, CalFire, paramedic, and Emergency Medical Technicians(EMTs), including administrative staff that supports firefighters; oro C...2019-02-0502 minFirst Time Home Buyer’s RadioFound you money to help you buy your home:The CalHFA Energy Efficient Mortgage (Cal-EEM + Grant) loan program combines an FHAinsured first mortgage (Cal-EEM) loan with an additional grant (EEM Grant), allowing energyefficient improvements over and above the FHA maximum allowable EEM loan amount.The EEM Grant is only available with the Cal-EEM first mortgage. The EEM Grant is forup to 4% of the first mortgage total loan amount, including Up Front Mortgage InsurancePremium (UFMIP). The EEM Grant can be used towards the HERS Report neutrality ratingand may allow more borrowers to use the FHA EEM program without additional funds...2019-02-0202 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeInterviewing Kyle Vaughn with Genworth Mortgage Insurance (Exclusive PMI provider for CalHFA home loans)This episode we are discussing the 7 ways to structure PMI (Private Mortgage Insurance) on your CalHFA Conventional Home loan.Let me know what you think and if you have someone special i should interview..Thanks2019-01-2403 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeInterviewing Molly Ellis (Lender Training Specialist with CalHFA)In this episode we are discussing CalHFA Schools Program: Down Payment Assistance - for First Time Home Buyers The School Teacher and Employee Assistance Program (School Program) is a deferred payment, simple interest rate subordinate loan that is combined with a CalHFA first mortgage. Your low to moderate income first-time homebuyer can use this loan for downpayment and/or closing cost assistance. The School Program loan provides up to 4.0% of the sales price or appraised value of the property, whichever is less, and must be recorded in...2019-01-2102 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeInterviewing Molly Ellis (Lender Training Specialist with CalHFA)In this episode we are discussing CalHFA Conventional CalPlus / ZIP program : - this program is for First Time Home Buyers The CalPLUS Conventional program is a Fannie Mae HFA Preferred™ fully amortized thirty (30) year fixed interest rate first mortgage. This loan is combined with the CalHFA Conventional Zero Interest Program (ZIP) for closing cost and/or prepaid items only. The Conventional ZIP second loan is only available with CalPLUS and is a silent second loan for either 3.00% or 4.00% of the first mortgage loan amount. The interest rate is...2019-01-2101 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeInterviewing Molly Ellis (Lender Training Specialists with CalHFA) In this episode we are discussing CalHFA FHA program. - For First Time Home Buyers and Non First Time Home BuyersThe CalHFA FHA program is an FHA-insured loan featuring a CalHFA fixed interest rate first mortgage. This loan is fully amortized for a thirty (30) year term and can be combined with either the MyHome Assistance Program (MyHome) or School Teacher and Employee Assistance Program (School Program). CalHFA defn: First Time Home Buyer: - is a borrower who has not had an ownership interest i...2019-01-2102 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeInterview with Molly Ellis (Lender Training Specialist for CalHFA ) :In this episode we discuss CalHFA FHA CalPlus/ZIP loan financing - for First Time Home Buyers. - The CalPLUS FHA loan program is a fully amortized thirty 30-year fixed interest rate FHA-insured first mortgage. This loan is combined with the CalHFA Zero Interest Program (ZIP) for closing cost and/or prepaid items only. The FHA ZIP second loan is only available with CalPLUS and is a silent second loan for either 3.00% or 4.00% of the CalHFA FHA total first mortgage loan amount, including Up Front Mortgage Insurance Prem...2019-01-2101 minFirst Time Home Buyer’s RadioFound you money to help you buy your homeInterviewing Molly Ellis (Lender Training Specialist with CalHFA)In this episode we are discussing CalHFA Conventional Loan program. - This program is for First Time Home Buyers or Non First Time Home Buyers The CalHFA Conventional program is a Fannie Mae HFA Preferred™ fully amortized thirty (30) year fixed interest rate first mortgage. This loan is combined with either the MyHome Assistance Program (MyHome) or the School Teacher and Employee Assistance Program (School Program). CalHFA defn: First Time Home Buyer - is a borrower who has not had an ownership interest in any princip...2019-01-2103 min