Real Estate Financial Services has teamed up with some of the leading lenders in the Mortgage industry to provide you with the best possible rates and programs, tailored to fit your specific needs.
Conventional Conforming and High Balance -
Conforming up to 97% LTV (Lender paid PMI required)
USDA - Federal Program for targeted cities. 100%, No Mortgage Insurance
CalHFA & SAPPHIRE - Down Payment Assistance to encourage renters to become Homeowners.
HUD Section 184 - Native American Housing Loan Guarantee Program
FHA Back to Work Program - To assist those who have had a Foreclosure, Short
Sale or Bankruptcy.
Fannie Mae Home Path - 3% down, no PMI or Appraisal required
FHA - 3.5% Down Payment, 100% of required Down Payment can be gifted
620 Minimum FICO required - No separate MI
FHA High Balance - 3.5% Down, Loan amounts up to $729,750.00
FHA 203k - Finance costs to Purchase and rehab or remodel homes
VA - 100% Financing - No Mortgage Insurance - Loan amounts to $625,000.00
Jumbo Conventional - Loans up to $2,500,000.00
Manufactured Homes - 90% LTV (FHA & Conventional)
Real Estate Financial Services, Inc.