Buying a home just got easy.

March 11,2024 | Posted By Flavia Brown in Real Estate

+++ See the P.S. for a free copy of my new informative real estate book (e-edition link).

The new home loan opportunity described in this email is for you, but please share it with any colleagues, friends, relatives, and associates who are members of a group listed in the next paragraph who might be thinking of buying a home. Buying now is good timing for seven reasons: 1) prices are increasing and expected to continue; 2) As prices increase buyers can expect to build equity; 3) interest rates have decreased but are expected to go back up; 4) there are many good deals are available and ripe for low offers, starting in the low $400K range in L.A. County; 5) not much competition for serious buyers because most prospective buyers are waiting for interest rates to decline further (Warren Buffett on real estate: Buy when others aren't buying); 6) I know how and where to find or create the best money-making deals for owner-occupied or investment properties in desirable L.A. County neighborhoods; and 7) rent rates will continue increasing because more than 50% of California adults can't afford to buy any property.

Really good news for teachers and support staff, firefighters, police officers, local-state-federal govt. employees, active and retired military, active and retired judges, district attorney employees, and CalPERS and CalSTRS members. Be sure to click the download at the bottom of the page for the new CalTAP Plus loan program brochure.

Thanks to the state of California, which supports the new CalTAP Plus loan program and wants more homeowners, this incredible home loan program will help the mentioned groups purchase a home in High-Cost California counties like L .A. County up to $1,350,000 with only 10% down and a 10% line of credit in the form of a 2nd mortgage. The purchase can be a single-family, condo, or townhouse. (Other combo loan finance options are available up to a purchase price of $1,750,000). Other loan programs are available that include higher limits and down payments as low as 3%. Thanks also to me because I am an official CalTAP partner and a savvy realtor with 18 years of helping people not only become homeowners but also finding or creating money-making good deals in desirable neighborhoods. I'm like a bloodhound when it comes to finding good deals and motivated sellers. How I fit in and provide exemplary service appears further down this page. See An accomplished realtor’s participation…..

CalTAP Plus Combo Loan benefits:

+ An 80-10-10 mortgage is structured with two mortgages: the first being a fixed-rate loan at 80% of the home's cost; the second being 10% as a home equity loan; and the remaining 10% as a cash down payment. A higher purchase price may require a larger 2nd mortgage (or) down payment.
+ This type of mortgage structure reduces the down payment of a home without having to pay private mortgage insurance (PMI), helping borrowers obtain a home without additional up-front costs.
+ Expand your buying power above county loan limits without obtaining a Jumbo loan which usually requires a minimum 20% down payment and 6 to 12 months mortgage payment reserves with most lenders.
+ Rates are .125% to .250% lower than the national average.
+ No processing fees ($1,895 value).
+ Free float down if rates increase after you lock.
+ Lender-paid mortgage insurance (No PMI) options available with as little as a 3.00% down payment.
+ Available for conforming and high balance FHA, conventional VA loans up to a $1,089,300 loan amount.
+ Seller & Lender paid 2-1 buydown options available to lower your first-year interest rate by up to 2.00% below market rates.
+ Keys in 21 Days.
++ Home prices begin in the $400s.

Note: Other loan programs are available for buyers who need closing costs assistance (usually around .8% of the purchase price), but that assistance isn't included in the CalTAP program.

Your questions are welcome. Contact the CalTAP Plus Hotline @ 800-310-7577, 8:30 AM to 8:00 PM. M-F. Or go to this website: securechoicelending.com/joe-moore. You will see Joe Moore's email address and phone number. He is a CalTAP expert and a top-rated mortgage broker.

An accomplished realtor’s participation in the CalTAP Plus program.

Of course, you can hire any realtor you prefer. However, this link provides ways my exemplary service will help you make a ton of money when buying a home, and it explains how my service is the most helpful, makes it easy to buy a home, and protects buyers’ and sellers’ interests. Click here: https://homesbyflavia.com/blog/real-estate/homesbyflaviacom-39

I will be honored to represent you. My goal is to find or create a good deal and help you make money. Your questions are welcome. Contact me via phone, text, or email. I will be glad to meet you anytime.

Best regards,

Flavia Brown, Realtor® (18 years)
Real estate author
CalDRE #01729313
Realty One Group United
homesbyflavia@gmail.com
homesbyflavia.com
310-702-0293 (cell/text)

P.S. My new 33-chapter e-edition real estate book is available by clicking this link. It is free for now, but it will soon be on Amazon, Amazon Kindle, Barnes & Noble, and other sites. My book is probably more informative and helpful than any other real estate book. Click here: https://homesbyflavia.com/blog/real-estate/a-most-informative-real-estate-book-by-flavia. The introduction explains the book's contents, which includes detailed steps in a real estate transaction for buyers and sellers.

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