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Other Loan Programs:

FHA
CRA
Fannie Mae
Conventional & Jumbo
When Should I Refinance?
FHA "Streamline" No Cost
Bill Consolidation
Home Improvement
Less than Perfect Credit

FHA:

 The Federal Housing Administration, a division of HUD, is in the business of insuring loans. This feature alone has allowed lenders to provide home loans to millions of homebuyers, who otherwise may not have qualified.

Advantages of FHA:

  • Lower down payment - typically only 3% or less
  • No income restrictions
  • Affordably priced mortgage insurance (PMI)
  • Entire down payment can be a gift from family member
  • Non-owner occupant (family member) can help you qualify
  • Lower credit scores also considered
  • Limited credit history is acceptable
  • Past bankruptcies not always a roadblock to loan approval
  • Higher than average debt (credit cards, auto, etc) is acceptable

Listed below are recent maximum FHA loan limit in select California Counties:

Los Angeles$228,000
Ventura/Orange/San Diego$239,250
Riverside/San Bernadino$179,050

For limits in your city, Email us at customerservice@perfectloan.com, or call us at (800) 794-1562.

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