|AL "the Loan Guy" Rivera
17777 Center Court Dr Suite 275
Cerritos, CA 90703
NMLS ID# 260314
17777 Center Court Dr. Suite 275, Cerritos, CA 90703
|Learn How to Buy a
with Less than
|In 30 Seconds or Less...
I will Explain How this Works and
How You Can Get Down Payment Assistance?
How it Works:
Step #1 - We Approve you for a Regular
FHA 30yr Fixed Loan. (Takes 24hrs)
Step #2 - We Approve you for a 3% Down Payment
Assistance Program (Takes 24hrs)
Step #3 - You Go Shopping for a House with a
Real Estate Professional Who Specializes in Down
Step #4 - You Get the Keys and Your Total Out of
Pocket was Less than $1500 or Less...
WOW! How is this Possible?
$150,000 Price = Only $750 Down!
$200,000 Price Only $1000 Down!
$250,000 Price = Only $1250 Down!
$300,000 Price = Only $1500 Down!
What are the Basic Guidelines to Qualify?
-580 Credit Score
-You Must Occupy the House
-No Bankruptcies in the Last 2yrs
-No Foreclosures, Short Sales, or Loan Mods in the Last 3yrs
Before you put more than $1500 Down
on a House...Contact Us First!
We are the Experts. This is Our Specialty.
Read Below For More Info
Frequently Asked Questions about Down Payment Assistance Programs
What are the basic things I need to qualify?
-Minimum of a 580 Credit Score
-You cannot have any Bankruptcies in the last 2yrs
-You cannot have any Foreclosures, Short Sales or Loan Mods in the last 3 years
(Note: Not Everyone with the above will qualify. You still Must go through the full Loan Approval Process)
What type of Loan Program is this?
Its Called an "FHA loan with 3% Down Payment Assistance"
It is a Standard 30yr Fixed 1st mortgage combined with an additional 3% Down Payment Assistance to Help you with your Down
Down Payment Examples:
-If the Purchase Price is $100,000...The Down Payment is Only $500
-If the Purchase Price is $150,000...The Down Payment is Only $750
-If the Purchase Price is $200,000...The Down Payment is Only $1000
-If the Purchase Price is $250,000...The Down Payment is Only $1250
-If the Purchase Price is $300,000...The Down Payment is Only $1500
Important Details About the FHA 1st Mortgage:
-The 1st Mortgage Has to Be Paid Back Over 30yrs.
-You have to apply for a loan, send us documentation, and qualify for the loan.
-Not everyone will qualify.
-We use standard FHA Guidelines to qualify you.
-The loan process takes about 30 days to close.
Important Details About the 3% Down Payment Assistance:
-It is a Small Loan
-It does have to be paid back at some point within 30yrs
-The Small 3% Down Payment Assistance Portion have interest
Can I see Examples of a $300,000 FHA Loan With and Without Down Payment Assistance Side by Side?
Is $1500 Total Out of Pocket a Guaranteed Amount?
The $1500 Down Payment is a for sure if the price of the house is less than $300,000 (If you qualify) and if the Seller of the House
Pays 100% of the Closing Costs. The closing costs associated with a loan are usually paid for by the Seller, but it is not a
Guarantee that those will be paid. Which means that if a seller is not willing to pay for All or Some of the Closing Costs, you will
have to bring in more than $1500.
Is this 3% Down Payment Assistance a Loan?
The 3% Down Payment Assistance IS A LOAN. It has a rate as low as 3.25% depending on your credit. Wow! Thats less than most
of your credit cards.
Do I Need to Be A First Time Buyer?
No. You do not have to be a first time buyer.
Do I need to buy specific homes or can you buy any home available for sale?
You do not have to buy specific homes. As long as the home is in California and it qualifies for FHA financing, you can buy it with
this program. WOW! That's a lot of homes?
Whats the catch?
There is no catch.
Do other banks and Lenders Have "Down Payment Assistance Programs"?
Yes...Other Banks and Lenders Do Offer this program.
If Most Banks Offer this Program WHY Didn't My Agent or Lender Tell Me About It?
Either they didn't know about it...or for whatever reason didn't offer it to you. It is real and it does exist.
If your agent or Lender doesn't tell you about this program...That is a Major Red Flag. If a program like this exists, I would
not want it kept a secret from you!
There are a couple of things to keep in Mind about other Lenders:
-Just because other companies or loan officers offer the Down Payment Assistance Program, this does not mean that EVERY Loan
Officer Knows how to work with these programs.
-This program can take 60-90 Days to Close if your Loan Officer Doesn't have experience with this program.
-Do you really want someone without experience with Down Payment Assistance Programs to use your transaction as a learning
When it comes to get Pre-Approved for an FHA loan with Down Payment Assistance, Trust a Professional with Tons of Experience
with Down Payment Assistance... AL "the Loan Guy" Rivera.
AND...IF YOUR LOAN OFFICER OF REAL ESTATE AGENT HASN'T SUGGESTED DOWN PAYMENT ASSISTANCE TO HELP
YOU...CALL OR EMAIL US IMMEDIATELY. We will help.
What do I need to do to get started?
Simply Click on the "Apply Now" Button Below to apply for a Home Loan with Down Payment Assistance Today.
It Takes Only 15 minutes to Apply and You Get Your Results Within 24hrs
Once I Get Pre-Approved and Find a House, How Long Do These Take to Close From Beginning to End?
When you find a home and open escrow...it takes us about 30-45 days or less to close the loan.
Once I fill out my application Online, Can I make an appointment to meet with you and bring in my documents?
Absolutely, after you fill out your online application, please put together ALL of your documentation that we ask for and make an
appointment at our "Down Payment Assistance Headquarters".
At BOTH LOCATIONS...MAKE SURE YOU ASK FOR "AL"
Location #1 - Cerritos, CA (Monday - Friday 11am - 5pm) 17777 Center Court Dr, Suite 275, Cerritos, CA 90703
Location #2 - Corona, CA (Monday - Friday 11am - 5pm) 390 McKinley St, Suite 106, Corona, CA 92879
With such a great program like this...What Are You Waiting For?
(THIS PROGRAM IS AVAILABLE IN CALIFORNIA ONLY)
|If You Would Like to Apply for
Down Payment Assistance
If You Would Like More Information
Please Fill Out the Request Below
Please Be Specific with
What Type of Information You are Requesting)