Colette Foster, DRE# 01363597 & Beryl Simmerok DRE# 00759293
Colette cell 949 235-1515    Beryl cell 909 568-8771
Mortgage Information

Home financing can be a critical part of any real estate transaction. C & S California Capital is our go-to for all our client's real estate loan and mortgage needs. With over 20 years experience, C & S California Capital is the ONLY Lender we refer our buyers to.  Please click the link below to visit their website and learn more about their experience and knowledge as well as what they can do for you.

Loan Programs
 

Conventional

- Minimum 5% down

- Gift funds allowed for down payment assistance & closing costs with limitations

- Seller concessions up to 3%

- Purchase or refinance

- Available to owner-occupants, 2nd homes or investors

- FICOs 620 and above

 

FHA

- 3.5% down payment required

- Seller concessions up to 6%

- Purchase or refinance of primary residence only

- No income limits

- No reserves required on 1-2 unit properties

- Down payment assistance & gift funds allowed from family members

- FICOs 580 and above

 

Veteran Affairs (VA)

- No down payment

- 100% gift funds allowed

- Ability to use entitlement many times

- Lender or seller can pay all closing costs

 

HomePath

- Eligible Fannie Mae-owned homes

- No mortgage insurance

- 1 to 4 units, condo, PUD

- No appraisal required

- Low down payment

- Available for owner-occupants and investors

- FICOs 660 and above

 


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San Clemente


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SO CAL PROPERTIES DRE#01899084
18 Via Jenifer • San Clemente, CA 92673
Colette cell 949 235-1515 • Beryl cell 909 568-8771