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Seasoned mortgage professional with over 9 years of extensive experience in assisting home buyers achieve their goals. Specializing in first time homebuyer programs including Down Payment Assitance, FHA/VA, investment property loans,conventional,USDA and both forms of HARP products. Committed to providing outstanding customer service to both borrowers and real estate agent partners. Contact me today for all your home financing needs.

Laron McClelland


During the shutdown in 1995, the government's closing of the FHA delayed the process of 10,000 home loans. Most lenders will more than likely continue with apps assuming that the funding will eventually come through. The...
Lenders have plenty of money to dole out, but you must meet their criteria to get it. Your down payment and your credit score will guide their decision and determine your interest rate. To get a conforming loan of less than...

The CHDAP provides a deferred-payment junior loan – up to 3% of the purchase price, or appraised value, whichever is less, to be used for their down payment and/or closing costs. This program may be combined with a CalHFA or non-CalHFA, first mortgage loan.

The ECTP provides a deferred-payment junior loan for eligible teachers, administrators, classified employees and staff members working in county/continuation or high priority schools in California.

ECTP junior loans range from $7,500 to $15,000 depending on the area in which the home is being purchased, and can only be combined with an eligible CalHFA first mortgage loan. ECTP subordinate loans can only be used for down payment assistance.

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