Every day I help clients buy a home with little or no money down. With all the news in the media these days about the credit crunch, you would think that there is no way a normal person with normal credit could get a home loan right now, much less without a large 20% down payment. 

That just isn't the case. Both the Federal and State Government have special Home Loan Programs available to help normal everyday people buy homes with little or no money down. You don't have to be a millionaire or have a senator as a friend to use these great programs.

I specialize in searching out these special little known programs to help normal people buy homes with little or no money down while getting great low rates that are fixed for 30 years. These are the kind of loans you won't be embarassed to tell your parents you got. As a matter of fact, the rates are so low, your parents might not believe it at first.

In any case, there are eight different Government Home Loan Programs right now, four for no down payment, two that require a very small down payment of just 3% but will also lend you money to fix up a fixer home and two other loan down (3% again) for people with not good credit.

To find out which of these different loan programs you qualify for, you will need to have an analysis done of your personal financial information. This can be done one of three ways, over the phone, in my office in Santa Rosa or you can complete an loan application on line.

With your personal financial information, I will run your credit report and review your information to discover which of these great programs work for you. Once the final analysis is complete, you will know exactly the maximum purchase price of a home for which you qualify. You'll know how much the monthly payment will be and you will know how much if anything you will need to have to buy a home.