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In this video, we go over the CalHFA MyHome Down Payment Assistance program. The MyHome Assistance Program (MyHome) is a deferred payment, simple interest rate subordinate loan that may only be used with a CalHFA first mortgage.
The program provides assistance to cover the minimum down payment requirement or closing costs for first-time homebuyers. No monthly payment for the down payment assistance. No equity sharing. Program charges 1% simple interest per annum due at an exit event (refinance, sale, end of loan term) – Ask us how this works!
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On January 18th, 2024 CalHFA finalized the program guidelines for Round 2 of the Dream for All Shared Appreciation Loan. Applicants will need to complete a pre-registration application through the Dream for All CalHFA portal, once it is live. Currently the targeted launch date is in April 2024
As part of the pre-registration, applicants will need to upload a Pre-Approval Letter from a CalHFA approved lender. Qualified applicants will then be randomly selected to receive a voucher for the program, once the portal is closed
We provide an update on the pre-registration process, new program guidelines & eligibility, case studies and most importantly, how to get pre-approved.
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UPDATE April 2023: the program ran out of round 1 funds on April 7, 2023. This video, specific to the first phase of the program, is available to help borrowers get an idea of program guidelines, eligibility and real world usage.
The new CalHFA California Dream for All Shared Appreciation Down Payment Assistance Loan is the perfect opportunity for first time homebuyers in California to find their dream home. Use up to 20% in down payment assistance funds provided by California Dream to purchase a home with no money down.
We break down the program, the guidelines and provide some examples on how you can use it to purchase your first home.
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Wondering about the 1% down payment & No Mortgage Insurance program? Watch the video for the program details and a case study on how you can save on your monthly payment.
This is a program designed to help low to moderate income borrowers with a down payment requirement as low as 1% for primary residences and no monthly mortgage insurance.
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Are you self-employed and having a hard time getting pre-approved for the purchase price you want because you have substantial tax write-offs and your tax return income is not enough for qualifying purposes?
Watch the video for the program details and case studies on how you can use the bank statement loan program to qualify for a home.
A bank statement program is a home loan program that uses deposits in bank statements to calculate income. This is an alternative documentation loan type that does not require tax returns, paystubs, or W2s. These loans are for self-employed borrowers who typically have substantial tax write-offs that make it challenging to demonstrate the necessary income to get pre-approved for the purchase price they are looking for. Bank statement loan programs use either personal or business bank statements to qualify borrowers.
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New change from Fannie Mae for multi-family properties. Fannie Mae has announced that starting November 18th, 2023, they will accept 5% down payments on owner occupied 2-4 unit properties. This is a huge change from their previous policy which required 15-25% minimum down payment for 2-4 unit properties. With this change, they are hoping to expand access to credit and provide support for affordable rental housing. This new option presents a great opportunity for individuals looking to invest in multi-family homes while also enjoying the benefits of home ownership themselves.
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How to increase your business by saying YES to more DEALS. Zoom Townhall
Wednesday, November 20th, 2024
Whether it is limited or low credit scores, property issues, short employment history, high debt to income ratios, limited or no documented income or other issues, there are buyers who are constantly being turned away due to special circumstances within their profiles. Special circumstances require special consideration and we will go over several common scenarios of buyers who are not able to get qualified and how to turn those NO’s into YES’s. Increase your business by converting these buyers who otherwise would have been turned away.Increase customer interaction and start the dialogue with more options. Tougher deals lead to a higher level of appreciation from the new homeowners and more referrals for you. We will discuss: Most common reasons why you or a lender might say NO to a buyer. Special strategies with examples on how to be ready for non-traditional buyers and how to get them pre-approved. We will also cover: DSCR Purchase and Refinance Loans – Investment 1-4 units, No Income documents, No DSCR and 1+ DSCR. Buy Before You Sell – Unlock Equity and Qualify for Higher Loan Amounts. Bank Statement Loans – the power of using 90% bank receipts to qualify for higher loan amounts. Non Warrantable Condos – Insurance issues, litigation, broken balconies. Agent Tech Tools – Introduction to our agent tech tools to build prospects and nurture clients.
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Agent Webinar Training: Buy Before You Sell
Wednesday, October 9th, 2024
First : Buy Your New Home .Then: Sell Your Current Home.Why Not Sell First and Buy Later.No seller wants to accept Contingent Offers.Buyer does not want to make a non contingent offer without actually selling their home.Buyer wants to find the “Dream Home” at desirable price before committing to sell current home.Issues:Buyer needs down payment to Buy New Home .Down Payment is Locked in their current home.Buyer Wants to Qualify for Maximum Home.Solution:Raise Equity From Current Home.Get a New Loan that does not count debt against home you plan to sell. Learn how to implement this stratgey and help your clients.
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Agent Webinar Training: Buy Before You Sell
Wednesday, September 18th, 2024
First : Buy Your New Home .Then: Sell Your Current Home.Why Not Sell First and Buy Later.No seller wants to accept Contingent Offers.Buyer does not want to make a non contingent offer without actually selling their home.Buyer wants to find the “Dream Home” at desirable price before committing to sell current home.
Issues: Buyer needs down payment to Buy New Home .Down Payment is Locked in their current home.Buyer Wants to Qualify for Maximum Home.Solution:Raise Equity From Current Home.Get a New Loan that does not count debt against home you plan to sell. Learn how to implement this stratgey and help your clients.
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NAR Settlement - Are You Ready?
Wednesday, August 21st, 2024
NAR Settlement-Are you Ready? Make this industry shift your greatest opportunity.Don’t miss this opportunity to gain a competitive edge and transform your buyer presentations. We will discuss the current landscape,implications and value propositions.
What You’ll Learn: Master the art of explaining your value and offerings quickly to convert more leads.Develop and convey compelling value propositions that set you apart from the competition. The thing most agents miss is explaining how you can help increase affordability and get offers accepted.Implement a structured approach to ensure consistency and professionalism in your presentations.Enhance client experience by anticipating needs and addressing concerns proactively.
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California Dream For All - Registration Open Now
Wednesday, April 10th, 2024
We will cover Program Details, Registration and Pre-Approval Process. Will share program video and guidance.
More importantly will stick around for as many questions and scenarios that you can come up with.
We are now reviewing buyers for eligibility & qualification to issue pre-approvals so buyers can register in the Dream For All CalHFA Portal
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California Dream For All -Update
Thursday, February 15th, 2024
California Dream For All Program. Up to 20% Down Payment Asistance with up to 20% Shared Equity Participation.Learn the Guidelines & Qualification Criteria.Spread the Word.Get your Borrowers Pre-Approved.
Get Co-Branded Webpage with detailed program guide to educate your buyers. This will be followed by Q& A session
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California Dream For All
Thursday, January 25th, 2024
California Dream For All Program. Up to 20% Down Payment Asistance with up to 20% Shared Equity Participation.Learn the Guidelines & Qualification Criteria.Spread the Word.Get your Borrowers Pre-Approved.
Get Co-Branded Webpage with detailed program guide to educate your buyers. This will be followed by Q& A session
Play Video about First Time Home Buyer Programs
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First Time Home Buyer Programs covering DPA, 3-2-1 Buydowns for lower payments
Wednesday, April 19th, 2023
First Time Home Buyer Down Payment Assistance Programs will be discussed.Temporary 3-2-1 Buy Down Conventional Loans to Lower Monthly Mortgage Payments.
We will also cover co-branded webpage for Realtors and how to order custom financing and loan program flyers.
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California Dream For All
Wednesday, March 29th, 2023
California Dream For All Program.Up to 20% Down Payment Asistance with up to 20% Shared Equity Participation.Learn the Guidelines & Qualification Criteria.Spread the Word.Get your Borrowers Pre-Qualified.
Get Co-Branded Flyers to educate your buyers. This will be followed by Q& A session
Play Video about Training Realtors 101
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Training Realtors 101
Thursday, March 23rd, 2023
This webinar will focus on how Realtors can use Marketing and Tech Tools to increase productivity.Simple changes to work style that do not require time but increase productivity and stay ahead of competition.Resources for your clients to win more deals for you.How Co-Branding can help you to emerge strong.Co-Branded Web Page.,Co-Branded Mobile Website. and Co-Branded Financing and Program Flyers will be covered.
This will be followed by Q&A session.
Play Video about First Time Home Buyer Programs
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First Time Home Buyer Programs covering DPA, 3-2-1 Buydowns for lower payments
Wednesday, February 22nd, 2023
First Time Home Buyer Down Payment Assistance Programs will be discussed.Temporary 3-2-1 Buy Down Conventional Loans to Lower Monthly Mortgage Payments.
We will also cover co-branded webpage for Realtors and how to order custom financing and loan program flyers.
Play Video about 2-4 Unit Multifamily Properties with Low Downpayment
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2-4 Unit Multifamily Properties with Low Downpayment
Wednesday, February 15th, 2023
Multifamily Properties with Conventional Loans. 5% Down options.100% financing available with a fixed 5% second mortgage. Buyer does not have to be first time homebuyer.1 unit needs to be primary residence. Non-Owner Occupants to help buyer qualify.640+ Credit Score Use Rent from other units to reduce Mortgage.
We will also cover co-branded webpage, co-branded financing and loan flyers for Realtors. There will be a Q and A session.
Play Video about Webinar for First Time Home Buyers - Past
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Webinar for First Time Home Buyers covering DPA, Forgivable Equity Grant, Low Down Payment and much more!
Wednesday, October 26th, 2022
First Time Home Buyer Down Payment Assistance Programs will be covered.Brief introduction to some of our niche loan programs followed by Q&A session.
Play Video about Leveraging your Home Equity as a Retirement Tool
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Leveraging your Home Equity as a Retirement Tool
Wednesday, June 29th, 2022
The face of retirement has changed. People are living longer and they want more options in retirement. Planning for longevity by leveraging home equity as a retirement planning tool has redefined the reverse mortgage. This webinar will cover, what is a reverse mortgage, who is eligible, eligibility criteria and different options for situations.
If you or your loved ones are 55 years+, with equity in their homes, join to learn about different retirement planning options.
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