I break down every closing cost associated with buying a home. However, its important to know every escrow and title company charges their own fees. I give you a range of possible fees but it will ultimately come down to the escrow and title company handling your transaction. And the higher the price of the house, the higher the fees. The escrow and title fees on a $2 million dollar home will be more than double the fees on a $600,000 home.
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**LOAN PROGRAMS I RECOMMEND IN CALIFORNIA**
1) FANNIE MAE HOME READY PROGRAM
Property Look up tool:
This lets you know if the property you are looking at, qualifies for the home ready program where you only need to put down 3% so that you can get a killer deal!
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2) BANK STATEMENT LOAN PROGRAM
This program is perfect for anyone is self-employed or owns their own business. This program requires no tax returns so if you got turned down by one of the big banks because you have too many write-offs this program is the one to go with.
Your deposits in your business or personal account is your income! Simple as that
Watch this video to learn more:
3) INVESTOR LOAN PROGRAM- (FOR INVESTMENT PROPERTIES ONLY)
This loan does not require any income or documentation. The only requirement is that the rent generated by the property covers the mortgage payment. This can be used for refinances or if you want to buy an investment property you can utilize this program with NO INCOME!
Video coming soon...
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