Tacy Nichols

Tacy Nichols
Mortgage Consultant
Southern California
DRE License # 01144923

(909) 376-1334

CalSTRS

Low Cost Loans with Many Options

Whether you are dreaming of buying a new home, lowering your existing payments, or taking cash out, the CalSTRS Home Loan Program can help by offering competitive rates on a variety of mortgage loan programs:

• Conventional 15 or 30 year Fixed Rate Program – Competitive rates are available for buying a new home or refinancing to meet your individual needs.Mortgage loan amounts are available up to $834,000.
• Zero Down (95/5) – You can buy a new home without any money down. Mortgage loan amounts are available up to $650,000.
• 80/17 Program – Qualifying for a larger home mortgage is now available because of the low payment during the 5-year second mortgage deferral period.Mortgage loan amounts are available up to $650,000.
• Reverse Mortgages - Reverse mortgages can be a great way for homeowners who are 62 years of age or older to access equity in their homes. There are no income or health requirements and no monthly mortgage payments. Loan proceeds can be used however you wish and may be received as a lump sum, as a monthly payment or as a line of credit. The Home Equity Conversion Mortgage (HECM) and SimpleEquitySM programs are available to meet the individual needs of homeowners with varying home values. To learn more and hear about the CalSTRS discounts available, please call us at (866) 384-4HLP (4457).

Please call me to discuss your needs, goals and even your crisis. The home market is a very different place today. With 18 years in the business, I have the answers and the resources to get the job done.

Have a blessed day.
Tacy Nichols, Mortgage Consultant, (909) 376-1334