Down Payment Assistance Loans

Down Payment Assistance Loans CALHFA FHA Up to 3.5% Down Payment Assistance* $0 Down with 3.5% DPA* 660 Middle Credit Score Occupying and Non Occupying Borrowers allowed 30 Year Fixed Loans NO Pre payment penalties NO Assets in the Bank required CALHFA FHA combined w/ ZIP Up to 3.5% Down Payment Assistance* Up to 4% […]

Down Payment Protection

Down Payment Protection Where title insurance, private mortgage insurance and homeowner’s insurance each make lending more secure for the lenders, only Harris Mortgage covers buyers against unpredictable market losses. Here is how it works! *A buyer puts $60,000 down on a home. Five years later, the market is down and they need to sell for […]

Alternative Loans

Alternative Loans 80-10-10 Avoid Jumbo rates with an 80/10/10 10% down Up to $350,000 second NO Pre payment penalties Private Money Bankruptcy OK Foreclosure OK Bad Credit OK NO Minimum Credit Score 1st Time Homebuyer OK Overdrafts OK As little as 20% down Investor Program NO Income Documents NO Tax Returns NO W2’s or 1099’s […]

Conventional Loans

Conventional Loans Home Ready 3% Down Gift OK 30 Year Fixed 620 Middle Credit Score NO Pre payment penalties Home Possible 3% Down Gift OK 30 Year Fixed 620 Middle Credit Score NO Pre payment penalties Conventional 3% Down 620 Middle Credit Score Occupying and Non-Occupying Borrowers allowed Gift OK Up to 50% DTI (Per […]

Government Loans

Government Loans Federal Housing Administration (FHA) 3.5% Down Payment 580 Middle Credit Score 500 Middle Credit Score w/ 10% Down Payment Occupying and Non-Occupying Borrowers allowed Gift OK Up to 60% DTI (Per AUS) 30 Year Fixed NO Pre payment penalties Veteran Affairs (VA) NO Money Down 580 Middle Credit Score Up to 65% DTI […]