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 : 11 persons
- Find local business with Town Guide
-
- < Japanese Language Support for Peace of...
-
Our experienced medical team and staff provide the highest level of technical ・ service, and Japanese residents in the U.S. can receive safe and comfortable treatment in a relaxing atmosphere. We also...
+1 (425) 974-8161Bellevue Premier Dental
-
- Founded in 1992, the largest Japanese so...
-
Every Saturday morning at East River Park, they work up a fresh sweat and represent Japan against the world in the COSMOPOLITAN SOCCER LEAGUE 2nd Division on Saturdays or Sundays during the season. ...
FC Japan NYC
-
- We provide psychosomatic medicine treatm...
-
Many of these people are experiencing a variety of stresses, such as unfamiliarity with a foreign country, adjustment to a new job or school, cultural and language barriers, and separation from Japane...
+1 (201) 809-3508精神科・心療内科医 松木隆志
-
- We are committed to your safety and most...
-
Famous for its hills and fog, San Francisco is one of the world's most famous tourist destinations, with the Rundgate Bridge, Bay Bridge, Fishman's Wharf -, and Alcatraz Island. The night view from ...
+1 (415) 722-0428Meow Group San Francisco Optional Tour Specialist
-
- ★ Staff are always welcome ★ It is such ...
-
★ We are always looking for staff ★ If you are looking for after-school day care service/ day-care center visiting support/ temporary daytime support/ consultation support office in Kisarazu City, ple...
+81-438-97-7726放課後等デイサービスあず教室第1第2
-
- New type of acupuncture clinic ! Improve...
-
An unprecedented acupuncture and moxibustion treatment center Supporting treatment and rehabilitation, as well as mental and physical care and nutritional support for healing energy ! Essential elem...
+81-438-98-1111ステップ木更津鍼灸治療院
-
- We renovate your garden and other areas ...
-
We have been in business for 50 years and are now in our third generation. At Saito, we put our customers' needs first and offer plans that will satisfy them. Please feel free to contact us. ・ Free Es...
+81-90-6113-5078株式会社斉藤
-
- We can handle new construction, remodeli...
-
We propose a business in Hawaii, obtain a visa, and support all operations after the company is established ! If you already have a business in Hawaii, we can help you with the operation of your busin...
+1 (808) 772-2516KKP Global - Hawaii Consulting
-
- Los Angeles ・ We provide psychiatric ・ p...
-
Although many Japanese people come to California each year, life in an unfamiliar foreign country is never easy. Many Japanese residents in California are exposed to various stresses such as cultural ...
+1 (201) 809-3508精神科・心療内科医 松木隆志
-
- For all your insurance needs, leave it t...
-
We handle all types of insurance for individuals and businesses. Insurance is very important to be prepared for emergencies. At Daiwa Insurance, we understand the needs of our clients and will help yo...
+1 (310) 540-8595Daiwa Insurance Marketing, Inc.
-
- In sports and life, the second half of t...
-
Hawaii Senior Life Association was established to help Japanese-speaking active seniors enjoy Hawaii more. We hold over 200 events a year, including regular events every Friday as well as various spe...
+1 (808) 428-5808Hawaii Senior Life Enrichment Association (HISLEA)
-
- Kobe Tonkotsu Ramen ・ Kamashoken" in STI...
-
The soup, with its smooth texture and concentrated pork bone flavor, is a unique product of Kamashoken, which has five restaurants in Kobe Prefecture. The soup is carefully cooked over a period of th...
+1 (808) 518-0740Gashoken
-
- We support you to find a lifelong partne...
-
rose-mariage ( rosé-mariage ) is a member of the National Federation of Marriage Agencies and the Japan Bridal Association, so you can choose your partner from among 60,000 members. Our marriage ac...
+81-90-5573-5686結婚相談所 rose-mariage
-
- We are a stylish used car dealership loc...
-
A used car dealership located a little far from the city center, with a somewhat laid-back and relaxed atmosphere. Used car sales ・ Buying ・ We are dealing with non-life insurance ! We also have auto...
+81-436-37-1775YM.BASE
-
- A "Museum of Encounters and the Five Sen...
-
Oita Prefecture is warm, scenic, and rich in natural beauty, and has a soft, gentle prefectural character. Oita Prefecture has accepted and absorbed different cultures from Asia and the West, blending...
+81-97-533-4500大分県立美術館