Tacy Nichols - Home Loan Programs

Specialty Loan Programs

Tacy Nichols
Mortgage Consultant
Southern California
DRE License # 01144923

(909) 376-1334

Loan Programs are the financial vehicles that put people into homes.

Today, those vehicles have changed. As a lending professional, I continually research the market in light of financing and housing trends. This research includes forecasts on interest rates, new program and housing values for 2008-2009 and beyond. Based on experience and armed with research I can help you find deals and bring home the most beneficial financing available today..

Certain loan programs offer incredible incentives. Take your time and browse for a while. These are some of programs I think are important to Highlight in today's home loan world:

CalHFA First Time Homebuyers: * low to moderate income is OK
* first time homebuyers
* below market rates

Down Payment Assistance: * Assistance up to 20% of the purchase price
* specially designed for first time home owners
* funds can be applied to both downpayment and/or closing costs

Mortgage Credit Certificate: * reduce your taxes
* qualify more easily
* borrower can claim a tax credit equal to 15% of the interest paid during the year

My Community Mortgage: * up to 40 year terms
* up to 100% financing
* interest only options for intial period of loan

CalSTRS: * 15 or 30 yr mortgages
* Zero Down Program
* loans up to $650,000

CalPERS: * special programs for Public Employees of California
* fixed and adjustable rates
* up to 100% financing

AmeriDream: * provides a Gift downpayment
* Gift amount up to 10%
* gift need not be repaid

HART: * downpayment assistance
* up to $15,000
* can be used for Down Payment, Closing Costs, Pre-Paids, Interest Rate Buy Downs

Nehemiah: * nations largest private funded downpayment assistance program
* assisted over 240,000 families
* more than $981 million in down payment gift funds to date (2007-11-28)

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