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Closing Cost

At a no cost loan, for conforming and super conforming loans, the appraisal fee of $435 is paid by the borrower UPFRONT TO THE LENDER.

This fee will be reimbursed to the borrower after close of escrow. The lenders credit will pay for all other cost. We will not add any cost to your loan amount, so your principal balance will not be increased.

Jumbo Loans: the cost indicated in the rate table can be added to the loan amount.

 NO HIDDEN COST, NO SURPRISES

What does Zero Points and No Closing Cost means?

Zero Points: Here means, the borrower does not pay for the broker's fees.

Another words, Zero Orogiantion Fee.

No closing cost: of course there is closing cost, but we apply the credit or rebate from the quoted rate towards your closing cost @ close of escrow.

Please call to discuss if you have any questions or concerns.

^{FHA Streamline Refinance}

   ^{No Appraisal Report is Required}

Lower your monthly payment with our

Zero Points and Zero cost loan option.

Minimum Middle Credit Score of 640.

Interest rates and APR as low as  3.875% upon qualification.

Please call for Free Pre qualification to one of our Licensed, experienced loan agents.

First time Home Buyers:

Buy with 3.5% down payment

Federal Housing Administration known as FHA allows 1st time Home buyers to purchase a property as an owner occupied with 3.5 % down payment. Gift money for Down payment allowed and seller can contribute up to 6% towards the buyer Non Recurring closing cost.

Please, contact us, we would love to help and build you a road map to home ownership.

Investors:

Buy Bank owned properties with 25% down payment

We provide you with the list of  Bank owned properties (2 units, 3 units and 4 units) with possibilities of 20-40% Rate of Return per annum.

Please call for a free Consultation.

Home Affordable Refinance program aka HARP2

This progam is designed for home owners who they owe more than their property is worth.

But, they have managed to making their monthly mortgage payment and They are still employed.

Fannie Mae Refinance program known as DU REFI PLUS

Fannie Mae must own the loan. The loan must have been closed and deilvered to FNMA before May 31st 2009

To IDENTIFY if the loan owned by Fannie Mae, please cllick on the link below:

http://www.Fanniemae.com/loanlookup/

Freddie Mac Refinance Program known as Open Access

Freddie must own the loan. The loan must have been closed and delivered to Freddi Mac before May 31st 2009.

To IDENTIFY, which loans are owned by Freddi Mac:

https://ww3.freddiemac.com/corporate/

Occupancy: Owner Occupied or Investement properties of 1-4 units.

Loan amount: Conforming and super conforming max loan amount $ 625,500

Property Type: 1-4 units Family Residential, Condos, Condo Tels, PUDS, Manufactire Homes.

Fannie Mae: No limit to the number of Financed properties

Freddie Mac: Maximum of 4 financed (1-4 unit properties) when the subject is an investment property or 2nd home.

LTV and CLTV : unlimited with Fannie Mae approval ( No appraisal report).

No Asset verification

IRS form 4506 required.

Fannie Mae: Mortgage must be current

Freddie Mac : 1 late payment in 12 month is ok

Sub ordination: Existing Liens can be subordinated.

Please call for free consultation.

HQ:Villa Group Corporation, 5326 W Hillsdale Ave, Visalia, CA 93291,

Corporate DRE 01844562, NMLS #,335049

Local: Ali Bozorgi Talab, 157 Union Ave , suite B13, Campbell, CA 95008,

DRE # 01299916, NMLS # 337262, 408-858-9300