Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
First Time Home Buyer
Popular loan programs for first time home buyers.
3-2-1 BuyDown
https://www.citizensfinancial.co/wp-content/uploads/2022/11/3-2-1-BUYDOWN-2.pdf
Give your clients extra flexibility with a lower monthly payment by offering them a Temporary Rate Buydown to lower their interest rate at the start of their loan.
Low Down Payment Options
Explore options that may make you a home owner with a low down payment.
Reverse Mortgage
https://www.citizensfinancial.co/wp-content/uploads/2022/11/Reverse-Mortgage-Pres..pdf
A reverse mortgage is a powerful financial tool that can help seniors unlock home equity and supplement their retirement income. Reverse mortgage loans let qualified homeowners ages 55 and older take cash from their homes equity while still living in the house. The lender pays the homeowner in a monthly payment, in a lump sum, as a line of credit, or a combination of the three.
Investment Property
Mortgage loan programs for vacation and investment properties.
Down Payment Assistance Program for First Time Homebuyers
https://www.citizensfinancial.co/wp-content/uploads/2022/11/DPA-Pres.-citizens-financial-1.pd
Our down payment assistance program is eligible for residents throughout California! This program could enable you to purchase a home valued up to one million dollars with a fully forgivable second. The 2nd mortgage will be fully forgiven after the 6th. payment has been made. The DPA program allows for & up to 100% of the closing costs covered by the seller/homebuilder of choice.
