EQUAL HOUSING LENDER 

Mortgage loans available for immigrants and low income and median income families.

Required documentation of legal residency and eligibility to work in the United States.

• DACA 

• Aliens

• Non U.S. Citizens 

• Resident Aliens 

• ITIN 

• Greencards 

• Refugees Welcome

• Visa 

• Passports

• Alien Cuban and Haitian entrant as defined in section 501(e) of the Refugee Education Assistance act of 1980.

• Alien who is granted asylum under section 208 of the Immigration and Nationality Act.

Today’s Interest Rates 

For First Time Homebuyers 

97%

Customer Satisfaction Rate

With home prices climbing at a rate of 8 to 10 percent each year and the Fresno median price paid by first-time homebuyers in 2022 hovering around $374,930, home ownership remains out of reach for far too many California families.

Important FHA Guidelines for Borrowers

The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories. It is the largest insurer of residential mortgages in the world, insuring tens of millions of properties since 1934 when it was created.

• FICO score at least 580 = 3.5% down payment.

• FICO  score between 500 and 579 = 10% down payment.

• MIP (Mortgage Insurance Premium ) is required.

• Debt-to-Income Ratio < 43%.

• The home must be the borrower's primary residence.

• Borrowers must have steady income and proof of employment.

1 to 3-Day

Average Loan Approval Period

The information on this website has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.