Sheryl Arndt's (Under640FicoScoreLoans4U) Blog

YES, RECORD LOW INTEREST RATES ARE STILL HOLDINGI have been locking rates of under 4% on FHA thirty year fixed on and off for the last year with high fico scores. These types of low interest rates raise a buyers purchasing power so act as soon as you can. The rates are going to be on the rise and...

RENT vs BUY, Do you need RENT vs BUY listings emailed to you to study and compare? What cities are you considering, the minimum number of bedrooms and the maximum payment/price your looking to achieve?I can set you up to receive automatic emails updated daily with new rental listings as they com...

Do you have Down Payment and Closing Costs Hurdles? Do you have down payment and closing costs? If not, you may consider CHF Access or CHDAP which are half percent down payment programs. CHF Access requires a minimum 580 fico score to qualify and CHDAP requires a minimum 640 fico score. Each prog...

ZERO DOWN PAYMENT HOME LOANS VA / CalVet or the USDA Rural home loansI am a Veteran and specialize in VA/CalVet home loans or the USDA Rural purchase loan and many other loan programs to fit your financial needs. You have to be a Veteran or surviving spouse of a Veteran to qualify for VA or CalVe...

PRE-APPROVAL IN MINUTES It only takes a few dozen questions to qualfiy you in minutes and go over your credit and options. You will also need to provide copies of these documents on this needs list to process a loan approval, DU Approval or pre-approval letter to get out shopping for a home of yo...

How Do I qualify for a home loan in CA?How do I qualify for a home loan? Qualify in minutes... Yes, It all depends on your credit profile, debt to income ratios, fico scores and the amount you want to invest into the down payment and closing costs. It only takes a few dozen questions to qualify y...

First Time Homebuyer? We are Specialists for your mortgage and your home!Are you a first time homebuyer? You are a first time homebuyer if you haven't owned a home in the last three years. Are you pre-approved to buy a home yet? Qualify in minutes. Do you have funds saved for down payment and clo...

Which loan is right for me? FHA or Conventional?What are your fico scores? This loan choice is all going to depend on what your credit profile, fico scores, debt to income ratios and how much you want to invest into the down payment and closing costs will be? *As low as 0, .5% down, (half percent...