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You have many options to purchase a home

30% OFF USING CASH OR LOAN

30% OFF USING CASH OR LOAN

30% OFF USING CASH OR LOAN

 Wholesale homes are available to cash buyers at big discounts. You must be able to pay cash or fund your loan in a few days. Various sources of potential investment properties are available, such as: websites, investment groups, local auctions and private investors. Spend 2 hours a day searching, confirming future values and maybe you could find that "gold". You just have to be patient and wait for the home you want. 

25% OFF WITH PRIVATE MONEY

30% OFF USING CASH OR LOAN

30% OFF USING CASH OR LOAN

 Find someone to do the investment property searching for you. You can buy the home using private financing, make your improvements and get ready to sell to the open market. But you have another option... you could change your mind later and buy the home for yourself. You could actually take your time on the loan because it is considered a normal rate and term refinance. You cannot take cash out of the final loan.

20% OFF WITH GOVT. SALES

15% OFF AUCTION WITH BANK LOANS

15% OFF AUCTION WITH BANK LOANS

 Some government agencies sell items to the public through live and online auctions. These auctions let you buy government-owned assets from across the U.S. and its territories. A great example would be going to the sheriff's auction sale and buying judicial foreclosures. The property listings come up randomly and you have to just keep checking. Your other options include:  probates, tax collectors, Fannie Mae, FDIC, USDA, HUD AND dept. of Veterans Affairs.

15% OFF AUCTION WITH BANK LOANS

15% OFF AUCTION WITH BANK LOANS

15% OFF AUCTION WITH BANK LOANS

 Various types of auctions are available to buy a home at a discount using regular mortgage financing. 

AGENTS / SELLERS CAN PAY COSTS

AGENTS / SELLERS CAN PAY COSTS

AGENTS / SELLERS CAN PAY COSTS

 The agents and sellers can pay for your closing costs. This can be negotiated in the deal.  The "credits" may be limited to a percentage of the total borrower fees.  The buyer's down payment on their loan cannot be paid by the agents.   

3-2-1 STEP LOANS ARE AVAILABLE

AGENTS / SELLERS CAN PAY COSTS

AGENTS / SELLERS CAN PAY COSTS

  The listing agent and/or sellers can pay the lender to lower your interest rates and monthly mortgage payments during the first 2 years.   

BUY CHEAP WITH MULITIPLE OFFERS

RELATIVES CAN GIFT DOWN PAYMENTS

RELATIVES CAN GIFT DOWN PAYMENTS

 Various types of auctions are available to buy a home at a discount using regular mortgage financing. 

RELATIVES CAN GIFT DOWN PAYMENTS

RELATIVES CAN GIFT DOWN PAYMENTS

RELATIVES CAN GIFT DOWN PAYMENTS

  Relatives can gift funds to help pay for down payments and closing costs. The relative will have to attest that the funds are not a loan and show the funds came from their bank account.  

FHA LOANS ARE ONLY 3.5% DOWN

FANNIE LOANS ARE ONLY 3% DOWN

FANNIE LOANS ARE ONLY 3% DOWN

 Buy homes at the lowest rates with 3.5% down payments. FHA loans are the easiest loan to qualify for. 

FANNIE LOANS ARE ONLY 3% DOWN

FANNIE LOANS ARE ONLY 3% DOWN

FANNIE LOANS ARE ONLY 3% DOWN

We have Fannie Mae and Freddie Mac conventional loans with as low as 3% down.

VA LOANS ARE NO MONEY DOWN

FANNIE LOANS ARE ONLY 3% DOWN

VA LOANS ARE NO MONEY DOWN

One of the greatest loan specially designed for our military veterans. These loans start with no money down.

GRANT LOANS ARE NO MONEY DOWN

BUY USING SPECIAL DOCTOR LOANS

BUY USING SPECIAL DOCTOR LOANS

The state's Housing Finance Agency (CalHFA) offers several first-time homebuyer loan programs that provide access to affordable first mortgages. These programs could allow you to borrow up to 105% of a home's value and help fund your down payment or closing costs.  CalHFA has six loan programs. Must be single-family, one-unit property, and they require that you be owner occupied. 

BUY USING SPECIAL DOCTOR LOANS

BUY USING SPECIAL DOCTOR LOANS

BUY USING SPECIAL DOCTOR LOANS

 A physician loan or “doctor loan” is a mortgage specifically for medical professionals that usually doesn’t require no down payment. With other loan types, lenders often want borrowers to pay private mortgage insurance (PMI) if they’re making a down payment of less than 20%. Physician loans make it possible to skip paying for both a down payment and PMI if you happen to be a doctor.

GOOD NEIGHBOR LOANS 50% OFF

BUY USING SPECIAL DOCTOR LOANS

GOOD NEIGHBOR LOANS 50% OFF

  If you are a law enforcement officer, firefighter, emergency medical technician, or teacher, this program may help you purchase a home in a U.S. Department of Housing and Urban Development (HUD) revitalization area by offering qualified purchasers a 50 percent discount off the list price of homes available from HUD's inventory. Must be owner occupied for 3 years.

TEACHER HOME LOANS

BUY HOME AND OPEN YOUR OWN B&B

BUY USING NATIVE INDIAN LOANS

CalSTRS offers an 80/17 combo loan program to help teachers purchase or refinance a home and are members of the California State Teachers Retirement System (CalSTRS).

CalSTRS is not an actual lender, rather they invest in mortgage notes which are then are paid back to the CalSTRS pension fund. 

BUY USING NATIVE INDIAN LOANS

BUY HOME AND OPEN YOUR OWN B&B

BUY USING NATIVE INDIAN LOANS

 The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for Native American and Alaska Native families, Alaska Villages, Tribally Designated Housing Entities (TDHE’s), or Tribes. These loans can be used, both on and off native lands, purchase of an existing home, for new construction, rehabilitation, or refinance. 

BUY HOME AND OPEN YOUR OWN B&B

BUY HOME AND OPEN YOUR OWN B&B

BUY HOME AND OPEN YOUR OWN B&B

 When it comes to financing your bed and breakfast, you have options. Starting a new business means you can apply for SBA loans – loans guaranteed by the Small Business Administration. You should also consider obtaining a business credit card or line of credit, which are great tools to have for startups that may be experiencing initial operational or cashflow issues. 

BUY JUMBO HOMES WITH MINIMUM DOWN

BUY JUMBO HOMES USING INTEREST ONLY

BUY JUMBO HOMES USING INTEREST ONLY

X. 

BUY JUMBO HOMES USING INTEREST ONLY

BUY JUMBO HOMES USING INTEREST ONLY

BUY JUMBO HOMES USING INTEREST ONLY

X

BUY JUMBO HOMES IN HI-BALANCE AREA

BUY JUMBO HOMES USING INTEREST ONLY

BUY JUMBO HOMES IN HI-BALANCE AREA

X

BUY AND REHAB IN SAME LOAN

ADD MORE ROOMS TO YOUR HOME

BUY AND REHAB IN SAME LOAN

X

BUY LAND AND BUILD A HOME

ADD MORE ROOMS TO YOUR HOME

BUY AND REHAB IN SAME LOAN

X

ADD MORE ROOMS TO YOUR HOME

ADD MORE ROOMS TO YOUR HOME

ADD MORE ROOMS TO YOUR HOME

X

BUY MULTI-UNITS AND LIVE RENT FREE

BUY MULTI-UNITS AND LIVE RENT FREE

BUY MULTI-UNITS AND LIVE RENT FREE

 You can use fha financing to buy a 4plex and the renters will cover your monthly mortgage. 

BUY RENTALS USING RENTS TO QUALIFY

BUY MULTI-UNITS AND LIVE RENT FREE

BUY MULTI-UNITS AND LIVE RENT FREE

X

BUY MIXED USE AND LIVE ONSITE

BUY MULTI-UNITS AND LIVE RENT FREE

BUY MIXED USE AND LIVE ONSITE

 You can buy a property that includes a private residence and run the business (or rent it out) and live onsite. 

BUY HOME USING BANK DEPOSITS

BUY HOME USING ASSET DEPLETION

BUY HOME USING ASSET DEPLETION

x

BUY HOME USING ASSET DEPLETION

BUY HOME USING ASSET DEPLETION

BUY HOME USING ASSET DEPLETION

x

BUY HOME USING STATED INCOME

BUY HOME USING ASSET DEPLETION

BUY HOME USING STATED INCOME

x

SHORTER TERMS 10-15-20-25 YEARS

SHORTER TERMS 10-15-20-25 YEARS

SHORTER TERMS 10-15-20-25 YEARS

x

BUY WITH USDA NO MONEY DOWN

SHORTER TERMS 10-15-20-25 YEARS

SHORTER TERMS 10-15-20-25 YEARS

x

BUY NEW HOME FROM BUILDER

SHORTER TERMS 10-15-20-25 YEARS

BUY NEW HOME FROM BUILDER

x

DOWNSIZE USING REVERSE PURCHASE

DOWNSIZE USING REVERSE PURCHASE

DOWNSIZE USING REVERSE PURCHASE

x

BUY HOME AS FOREIGN NATIONAL

DOWNSIZE USING REVERSE PURCHASE

DOWNSIZE USING REVERSE PURCHASE

x

BUY HOME USING YOUR ITIN NUMBER

DOWNSIZE USING REVERSE PURCHASE

BUY HOME USING YOUR ITIN NUMBER

x

FIX YOUR CREDIT AND BUY A HOME

USE FAMILY EQUITY GIFT TO BUY A HOME

USE FAMILY EQUITY GIFT TO BUY A HOME

x

USE FAMILY EQUITY GIFT TO BUY A HOME

USE FAMILY EQUITY GIFT TO BUY A HOME

USE FAMILY EQUITY GIFT TO BUY A HOME

x

BUY NEW HOME FROM BUILDER

USE FAMILY EQUITY GIFT TO BUY A HOME

BUY NEW HOME FROM BUILDER

x

BUY MANUFACTURED HOMES

BUY MODULAR HOMES FOR A DISCOUNT

BUY MODULAR HOMES FOR A DISCOUNT

x

BUY MODULAR HOMES FOR A DISCOUNT

BUY MODULAR HOMES FOR A DISCOUNT

BUY MODULAR HOMES FOR A DISCOUNT

x

BUY MOBILE HOMES IN PARKS

BUY MODULAR HOMES FOR A DISCOUNT

BUY MOBILE HOMES IN PARKS

x

BUY HOME AND PAYOFF IN 7 YEARS

BUY HOME AND PAYOFF IN 7 YEARS

BUY HOME AND PAYOFF IN 7 YEARS

 This is done with a special mortgage that runs through a bank account that takes your surplus funds and pays down your mortgage. 

BUY HOMES USING LEASE TO OWN

BUY HOME AND PAYOFF IN 7 YEARS

BUY HOME AND PAYOFF IN 7 YEARS

 You can find a home and the program will buy the home for you and give you the option of taking ownership when you are ready. 

BUY USING MCC TAX BENEFIT

BUY HOME AND PAYOFF IN 7 YEARS

BUY USING MCC TAX BENEFIT

x

BUY HOME ON VERY LARGE LOT

BUY FARMS USING AGRICULTURAL LOANS

BUY FARMS USING AGRICULTURAL LOANS

x

BUY FARMS USING AGRICULTURAL LOANS

BUY FARMS USING AGRICULTURAL LOANS

BUY FARMS USING AGRICULTURAL LOANS

x

BUY USING SPECIAL CANNIBUS LOANS

BUY FARMS USING AGRICULTURAL LOANS

BUY USING SPECIAL CANNIBUS LOANS

x

BUY HOME USING PRIVATE FINANCING

BUY HOME USING PRIVATE FINANCING

BUY HOME USING PRIVATE FINANCING

x

BUY AND FLIP WITH 10% DOWN

BUY HOME USING PRIVATE FINANCING

BUY HOME USING PRIVATE FINANCING

x

BUY USING SPECIAL BRIDGE LOANS

BUY HOME USING PRIVATE FINANCING

BUY USING SPECIAL BRIDGE LOANS

x

BUY COMMERCIAL BUILDINGS

BUY LAND AND BUILD SELF-STORAGE

RENT COMMERCIAL RETAIL UNITS

x

RENT COMMERCIAL RETAIL UNITS

BUY LAND AND BUILD SELF-STORAGE

RENT COMMERCIAL RETAIL UNITS

x

BUY LAND AND BUILD SELF-STORAGE

BUY LAND AND BUILD SELF-STORAGE

BUY LAND AND BUILD SELF-STORAGE

x

your host

TOM FLECKY

Grand Avenue Realty & Lending

4420 E. Miraloma Ave., #M

Anaheim, CA 90807

(951) 903-3883


dre: 01171689 / nmls: 366289

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