Info Type
View Option
Sort by Keyword
Sort by Category
- Useful info
- Signature service
- Discount
- Satisfaction guaranteed
- Complimentary
- First-time
- Free trial
- Entertainment
- Renewal
- Event
- Press Release
- Problem solution
- Wanted
- Introduction
- Other
Sort by Industry
- Restaurant / Gourmet
- Gift / Shopping
- Fashion / Apparel
- Entertainment / Hobby
- Travel / Leisure
- Transporation
- Life / Housing
- Education / Lesson
- Ceremonial Occasion
- Beauty / Health
- Medical
- Government / Public
- Computer / Electronics
- Auto / Motorcycle
- Finance / Insurance
- Professional
- Corporation / Manufacture
- Media
- Religion
- Nightlife
- Group / Organization
Back
This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)
Finance / Insurance / Useful info
Must See ! ! For First Time Home Buyers in California ! !
About CalHFA]
CalHFA is a program that helps first-time homebuyers to make buying easier.
It provides loans for down payment ( Down Payment ) and other expenses ( necessary to make the loan ) Closing Cost
And this part of the loan does not have to be repaid until you sell the house or do a loan modification ( Refinance ).
( Silent Second ) which is designed to make it easier to pay with lower monthly payments.
The first condition for borrowers is Primary Residence Only, which can only be used to purchase a house to live in.
And the borrower must be a First Home Buyer ( who has not been a homeowner for at least the past three years ).
There are income limits by County.
( Income Limit ) Must take Home buyer Education Counseling and obtain Certificate.
[How To Apply]
Apply only through a Mortgage Broker or Lender that handles CalHFA.
Documents to be submitted are the same as for other loans.
( Pay Stubs, Bank Statement, Tax Return, Employment History, etc. )
First Mortgage is a Government Loan ( FHA, VA, USDA
Saving for a down payment can be a challenge. The part of the loan that serves as the down payment is the second mortgage, where the first and second loans are combined together,
but as I mentioned before, you only need to make the first mortgage ( payment ) payment
CalHFA Goverment Loan ( FHA ) would be supported by this program for 3 . 5% ( of the purchase price or the lower of the appraisal value ).
CalHFA Conventional Loans are supported at 3%.
Closing Cost Assistance Program is called Zip.
It is of course possible to get both this and a down payment, but the first mortgage rate will increase by about 1 . 25%.
This would increase your monthly repayments, so you would need to do a detailed calculation with your loan officer to determine this.
Even if you purchase through one of these programs, this will not drag on for years, and
California has a higher real estate appreciation rate than the rest of the country, so in 2 , 3 years you will have Equity and be able to refinance your loan!
Refinancing will also allow you to eliminate things like Mortgage Insurance that you had to pay because of a small down payment.
While you are saving up for a down payment, the price of real estate will go up and up. It may be a good time to consider the buying options discussed here.
There are many things about loans that are not clear.
In such cases, please leave it to Mitsuko Miller.
We provide accurate information so that Japanese people do not lose money without understanding about loans.
Please feel free to contact us.
■ Director's Mgagee ≪ Mitsuko Miller∩ )
She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.
14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
TEL : +1 (206) 679-3371Please mention [Vivinavi]
If we are unable to answer your call, please use the "Send Message" below. If we are unable to answer your call, please contact us by clicking on "Send message" below.
**************************************************************************************************************
Currently this program is a lottery and we are not sure about the next one.
We look forward to working with you to prepare for the next one ? Please feel free to contact us !
**************************************************************** **********************************************
Secure in accordance with your future plans ・ We will introduce you to a mortgage loan that will satisfy your needs. Peace of Mind ・ We can help you find a mortgage that fits your future plans. When you are ready to buy a home, please consult with a loan company first, and at Directors Mortgage we offer both bank and broker programs. We will help you choose the best plan for you by informing you of the advantages and disadvantages of each !.
- Posted : 2024/08/26
- Published : 2024/09/26
- Changed : 2024/08/26
- Total View : 24 persons
- Find local business with Town Guide
-
- We can help you buy or sell residential ...
-
Yukari ・ Travuis is a Japanese Realtor living in Los Angeles, CA and has been assisting people in buying and selling residential real estate around Los Angeles since 2009 in both English and Japanese....
+1 (323) 314-8284Compass / Yukari Travis
-
- Trusted and proven for over 30 years, Yu...
-
Trusted and proven for over 30 years, Yun Company is your one-stop shop for commercial refrigeration ・ chiller sales, installation, and maintenance. Quick emergency response, free estimates and phone ...
+1 (213) 820-8095Yun Company / Commercial refrigeration
-
- Spa Rirakuen, located in the Miyako Hybr...
-
The concept of Spa Rirakuen is the healing of harmony of the five senses. In the calm, modern Japanese interior and quiet atmosphere, you can take a Jacuzzi and take a bedrock bath with SGE : TENFUKU-...
+1 (310) 212-6408AS-Create LLC. / spa Relaken
-
- Companies, self-employed individuals, an...
-
We provide accounting support for companies, self-employed individuals, and individuals from Japan who are looking to expand their business to the U.S. Bilingual Japanese-US & Bicultural accountants ...
+1 (310) 792-5340Mimura Accounting
-
- 💛Furniture ・ Home appliances ・ Scrapped ...
-
We will pick up "anything" and "everything" such as furniture, electrical appliances, and other household goods ・ buy ・ dispose ・ of them. We offer a convenient and economical pickup ・ service that re...
+1 (424) 201-9975Kaguyahime / かぐやひめ(不用品買取)
-
- If you miss the taste of your mother's c...
-
Reasonably priced and generous portions. If you miss heartwarming home cooking, come to Kotohira. ●Home-made potato salad and pickled Chinese cabbage are served We serve hearty home-made potato sa...
+1 (310) 323-3966Kotohira Restaurant
-
- Are your rights properly protected? If y...
-
If you have been the victim of an accident, call California Car Accident & Injury Accident Free Consultation Center immediately. Our center helps victims of car accidents and injury accidents protect...
+1 (800) 840-0029MASON LAW GROUP
-
- We are happy to assist you with recruiti...
-
Our experienced staff is ready to serve Japanese businesses and the community with sincerity. We welcome your inquiries and look forward to hearing from you. Please check our website and Linkedin for...
+1 (949) 239-9050Triup, Inc.
-
- Authentic Japanese Cuisine ・ Sushi Resta...
-
We opened our restaurant with the aim of providing authentic Japanese cuisine in a casual atmosphere, and we are confident in the taste !.
+1 (949) 631-0403Sky Bay Sushi
-
- The official LINE account "STYLIST WORLD...
-
We provide support for starting a beauty salon in the U.S. and human resource support. We also provide support for obtaining individual No., transfer of cosmetology license ( and cosmetology license ...
+1 (424) 216-2444Yuka Enterprises
-
- West ・ LA ・ The only dentist in Sawtelle...
-
Together with Teeth. With your teeth. Healthy and beautiful teeth, that is our wish at Matsumura Dental. From a doctor with a career of 30 years, We will explain and guide you with kindness and car...
+1 (310) 575-8828Premiere Dental Care, Inc. / Yasuhiro Matsumura, D.M.D.
-
- Come, see, touch, and we will work with ...
-
Our goal is to provide architectural knowledge, skills, and ideas cultivated in Japan to the United States. Our experienced staff in Japan will be in charge of hearing, preliminary inspection, estima...
+1 (310) 616-5211Nikka USA Corp
-
- Change ! myself
-
AlphaNet is an experienced recruitment agency with over 20 years of experience in the U.S. We have a team of experienced consultants who can help you find the best bilingual jobs in Japan and the U.S.
+1 (310) 328-5511Alpha-Net Consulting Group, Inc.
-
- Language school with campuses in popular...
-
There are many language schools in the United States. Among these schools, we place great importance on the quality of education and the price. English is a tool for communication, and we want as many...
+1 (310) 887-0777Mentor Language Institute, LLC
-
- The latest trend hair at SHIMA, a very p...
-
Why don't you achieve your ideal hairstyle at SHIMA, the source of hair trends in Japan? ? Many top artists, models, and influencers go to SHIMA. If you have had trouble getting your hair styled t...
SHIMA Los Angeles