Mortgage Options Made Simple
A great option for first-time buyers or clients with limited credit history.
Benefits include:
CalHFA FHA Programs
For eligible first-time buyers, CalHFA offers down payment and closing cost assistance combined with FHA financing. These programs help reduce upfront costs and make homeownership more accessible.
Ideal for buyers with strong credit and stable income.
Includes:
CalHFA Conventional Programs
CalHFA also offers Conventional financing paired with down payment and closing cost assistance. These programs are excellent for first-time
buyers who qualify and want to minimize upfront expenses.
Designed for self-employed clients, investors, and borrowers with non-traditional income.
These programs offer flexible qualification methods beyond standard tax returns.
Approval based on bank deposits, not W-2s or tax returns. Perfect for self-employed
borrowers.
Investor-focused loans where approval is based on the income of the property, not personal income. Ideal for rental properties.
For independent contractors who receive 1099 income, without requiring full tax returns.
Qualification based on a Profit & Loss statement prepared by a CPA. Great for
businesses with fluctuating income.
Approval based on your liquid assets rather than your monthly income. Ideal for clients with strong savings or investment portfolios.
Financing options are available for buyers who use an ITIN instead of a Social Security number. Available for purchases and refinances.
A flexible way to access the equity in your home without refinancing your current mortgage.
Common uses include:
Programs available for:
Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and PMI. Add your location for more accurate estimates.
Partner with Jose Bermejo for a smarter real estate experience. As both a REALTOR® and Mortgage Loan Originator with World Premier Realty and American Home Loan, Jose offers a unique advantage—integrating home search and financing under one strategy. This dual expertise helps clients close faster, avoid surprises, and maximize opportunities in competitive markets like Stockton and the East Bay.
Jose Bermejo | CA DRE# 02085611 | Equity Building & Investments Inc.
(925) 768-0495
[email protected]
Mon–Sun: 9 AM–6 PM
1848 Willow Pass Rd, Ste 208 Concord, CA 94520