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As an employee a California Public School or Community College you may be eligible for a 3% down, No PMI purchase loan. The CalSTRS 80/17 is hands down the most flexible purchase around with such a low down payment.We also address the 100% financing option available to members of CalPERS and review the newly released IRS guidelines for the $7,500 federal tax credit that expires in 2009.
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A Complete Guide to the CalSTRS 80/17 Purchase Loan
Thank You for Attending
We Will Begin in a MomentClass will begin at 7:00pm
Presented By:Broadview Mortgage Corporation
Presenter:
Scott Schang
Contact Information:
Phone: [email protected]
A Complete Guide to the CalSTRS 80/17 Purchase Loan
The Purpose and Goals of this Class
A Complete Guide to the CalSTRS 80/17 Purchase Loan
The Purpose and Goals of this Class
• To Create and Empower Home Owners
A Complete Guide to the CalSTRS 80/17 Purchase Loan
The Purpose and Goals of this Class
• To Create and Empower Home Owners
• Educate you about the current California Real Estate market and Specialty Financing Options for Education Professionals
A Complete Guide to the CalSTRS 80/17 Purchase Loan
The Purpose and Goals of this Class
• To Create and Empower Home Owners
• Educate you about the current California Real Estate market and Specialty Financing Options for Education Professionals
• Empower you with the ability to make educated decisions in the home buying process
A Complete Guide to the CalSTRS 80/17 Purchase Loan
The Purpose and Goals of this Class
• To Create and Empower Home Owners
• Educate you about the current California Real Estate market and Specialty Financing Options for Education Professionals
• Empower you with the ability to make educated decisions in the home buying process
• Introduce you to Broadview Mortgage Corporation as your CalSTRS 80/17 expert
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
• A Complete Guide to CalSTRS 80/17
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
• A Complete Guide to CalSTRS 80/17– 100% option for members of CalPERS
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
• A Complete Guide to CalSTRS 80/17– 100% option for members of CalPERS
• IRS Guidelines for $7,500 Federal Tax Credit just released – The Details
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
• A Complete Guide to CalSTRS 80/17– 100% option for members of CalPERS
• IRS Guidelines for $7,500 Federal Tax Credit just released – The Details
• Wrap Up and Take Aways
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
• Ask Questions throughout presentation
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
• Ask Questions throughout presentation– You may type questions in at any time during the
presentation – Questions box on your screen
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
• Ask Questions throughout presentation– You may type questions in at any time during the
presentation – Questions box on your screen
– CalSTRS 80/17 specialists are standing by to answer your questions during the presentation
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
• Ask Questions throughout presentation– You may type questions in at any time during the
presentation – Questions box on your screen
– CalSTRS 80/17 specialists are standing by to answer your questions during the presentation
– The only dumb question is the one you don’t ask
A Complete Guide to the CalSTRS 80/17 Purchase Loan
Topics We Will Cover In This Class
• Ask Questions throughout presentation– You may type questions in at any time during the
presentation – Questions box on your screen
– CalSTRS 80/17 specialists are standing by to answer your questions during the presentation
– The only dumb question is the one you don’t ask
Write number down now in case you get disconnected
1-866-667-6724
A Complete Guide to CalSTRS 80/17
A Complete Guide to CalSTRS 80/17
• Who’s Eligible for a CalSTRS 80/17?
A Complete Guide to CalSTRS 80/17
• Who’s Eligible for a CalSTRS 80/17?– Any employee of a California public school or
community college
A Complete Guide to CalSTRS 80/17
• Who’s Eligible for a CalSTRS 80/17?– Any employee of a California public school or
community college• Can work in any capacity
A Complete Guide to CalSTRS 80/17
• Who’s Eligible for a CalSTRS 80/17?– Any employee of a California public school or
community college• Can work in any capacity• Can work in school district
A Complete Guide to CalSTRS 80/17
• Who’s Eligible for a CalSTRS 80/17?– Any employee of a California public school or
community college• Can work in any capacity• Can work in school district• Pay check stub from public school system
A Complete Guide to CalSTRS 80/17
• Who’s Eligible for a CalSTRS 80/17?– Any employee of a California public school or
community college• Can work in any capacity• Can work in school district• Pay check stub from public school system
– If you are eligible for CalSTRS pension benefits
A Complete Guide to CalSTRS 80/17
• Who’s Eligible for a CalSTRS 80/17?– Any employee of a California public school or
community college• Can work in any capacity• Can work in school district• Pay check stub from public school system
– If you are eligible for CalSTRS pension benefits• Provide certificate of eligibility
A Complete Guide to CalSTRS 80/17
• Who’s Eligible for a CalSTRS 80/17?– Any employee of a California public school or
community college• Can work in any capacity• Can work in school district• Pay check stub from public school system
– If you are eligible for CalSTRS pension benefits• Provide certificate of eligibility• Do not have to be currently employed
A Complete Guide to CalSTRS 80/17
• Who’s Eligible for a CalSTRS 80/17?– Any employee of a California public school or
community college• Can work in any capacity• Can work in school district• Pay check stub from public school system
– If you are eligible for CalSTRS pension benefits• Provide certificate of eligibility• Do not have to be currently employed
– Any eligible borrower makes family eligible
A Complete Guide to CalSTRS 80/17
• How CalSTRS benefits from the 80/17
A Complete Guide to CalSTRS 80/17
• How CalSTRS benefits from the 80/17– CalSTRS pension fund invests in mortgage notes
as mortgage backed securities
A Complete Guide to CalSTRS 80/17
• How CalSTRS benefits from the 80/17– CalSTRS pension fund invests in mortgage notes
as mortgage backed securities• CalSTRS is not a lender and does not do loans
A Complete Guide to CalSTRS 80/17
• How CalSTRS benefits from the 80/17– CalSTRS pension fund invests in mortgage notes
as mortgage backed securities• CalSTRS is not a lender and does not do loans
– Payments go back into CalSTRS pension fund
A Complete Guide to CalSTRS 80/17
• How CalSTRS benefits from the 80/17– CalSTRS pension fund invests in mortgage notes
as mortgage backed securities• CalSTRS is not a lender and does not do loans
– Payments go back into CalSTRS pension fund
– Contributes to the growth and stability of your retirement system as a member of CalSTRS
A Complete Guide to CalSTRS 80/17
• How CalSTRS benefits from the 80/17– CalSTRS pension fund invests in mortgage notes
as mortgage backed securities• CalSTRS is not a lender and does not do loans
– Payments go back into CalSTRS pension fund
– Contributes to the growth and stability of your retirement system as a member of CalSTRS
– Broadview Mortgage is an approved Lender on CalSTRS website - See link on site
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA– 3.5% Down as of January 1st, 2009
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA– 3.5% Down as of January 1st, 2009
• Interest Rates as compared to FHA
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA– 3.5% Down as of January 1st, 2009
• Interest Rates as compared to FHA• No UPFRONT Mortgage Insurance Premium
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA– 3.5% Down as of January 1st, 2009
• Interest Rates as compared to FHA• No UPFRONT Mortgage Insurance Premium
– FHA increased to 1.75%
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA– 3.5% Down as of January 1st, 2009
• Interest Rates as compared to FHA• No UPFRONT Mortgage Insurance Premium
– FHA increased to 1.75%
• No MONTHLY Mortgage Insurance
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA– 3.5% Down as of January 1st, 2009
• Interest Rates as compared to FHA• No UPFRONT Mortgage Insurance Premium
– FHA increased to 1.75%
• No MONTHLY Mortgage Insurance– FHA increased to .55%
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA– 3.5% Down as of January 1st, 2009
• Interest Rates as compared to FHA• No UPFRONT Mortgage Insurance Premium
– FHA increased to 1.75%
• No MONTHLY Mortgage Insurance– FHA increased to .55%
• FHA vs CalSTRS Closing Costs
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA– 3.5% Down as of January 1st, 2009
• Interest Rates as compared to FHA• No UPFRONT Mortgage Insurance Premium
– FHA increased to 1.75%
• No MONTHLY Mortgage Insurance– FHA increased to .55%
• FHA vs CalSTRS Closing Costs– FHA lower up front / CalSTRS lower total cost
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• Lower Down Payment than FHA– 3.5% Down as of January 1st, 2009
• Interest Rates as compared to FHA• No UPFRONT Mortgage Insurance Premium
– FHA increased to 1.75%
• No MONTHLY Mortgage Insurance– FHA increased to .55%
• FHA vs CalSTRS Closing Costs– FHA lower up front / CalSTRS lower total cost
• CalSTRS - No cost to lock or rate
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• FHA is a GREAT program as a Plan B
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• FHA is a GREAT program as a Plan B– Low down payment requirements
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• FHA is a GREAT program as a Plan B– Low down payment requirements– Low up front closing costs
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• FHA is a GREAT program as a Plan B– Low down payment requirements– Low up front closing costs– Aggressive interest rates
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• FHA is a GREAT program as a Plan B– Low down payment requirements– Low up front closing costs– Aggressive interest rates– 6% seller concessions from seller
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• FHA is a GREAT program as a Plan B– Low down payment requirements– Low up front closing costs– Aggressive interest rates– 6% seller concessions from seller– Flexible qualifying guidelines
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• FHA is a GREAT program as a Plan B– Low down payment requirements– Low up front closing costs– Aggressive interest rates– 6% seller concessions from seller– Flexible qualifying guidelines– No penalty for lower credit scores
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• FHA is a GREAT program as a Plan B– Low down payment requirements– Low up front closing costs– Aggressive interest rates– 6% seller concessions from seller– Flexible qualifying guidelines– No penalty for lower credit scores– CalPERS members may be eligible for 100%
financing using FHA 1st mortgage
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 Compared to FHA
• FHA is a GREAT program as a Plan B– Low down payment requirements– Low up front closing costs– Aggressive interest rates– 6% seller concessions from seller– Flexible qualifying guidelines– No penalty for lower credit scores– CalPERS members may be eligible for 100%
financing using FHA 1st mortgage
• If you are eligible and qualify for the CalSTRS 80/17 there is simply no comparison. Period
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount – Up to $417,000
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount – Up to $417,000
• First mortgage loan amount
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount – Up to $417,000
• First mortgage loan amount– $521,250 Max Purchase Price
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount – Up to $417,000
• First mortgage loan amount– $521,250 Max Purchase Price
• Jumbo Loan Amount
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount – Up to $417,000
• First mortgage loan amount– $521,250 Max Purchase Price
• Jumbo Loan Amount – Up to $536,082
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount – Up to $417,000
• First mortgage loan amount– $521,250 Max Purchase Price
• Jumbo Loan Amount – Up to $536,082
• First mortgage loan amount
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount – Up to $417,000
• First mortgage loan amount– $521,250 Max Purchase Price
• Jumbo Loan Amount – Up to $536,082
• First mortgage loan amount• Max total loan amounts $650,000
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount – Up to $417,000
• First mortgage loan amount– $521,250 Max Purchase Price
• Jumbo Loan Amount – Up to $536,082
• First mortgage loan amount• Max total loan amounts $650,000
– Up to $670,103 Max Purchase Price
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Max Loan Amounts
• Conforming Loan Amount – Up to $417,000
• First mortgage loan amount– $521,250 Max Purchase Price
• Jumbo Loan Amount – Up to $536,082
• First mortgage loan amount• Max total loan amounts $650,000
– Up to $670,103 Max Purchase Price
• Jumbo interest rate is typically 1% higher
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Property Qualifications
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Property Qualifications
• Eligible Properties
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Property Qualifications
• Eligible Properties – Single Family Residence - Detached
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Property Qualifications
• Eligible Properties – Single Family Residence - Detached– Condominiums / Townhomes - Attached
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Property Qualifications
• Eligible Properties – Single Family Residence - Detached– Condominiums / Townhomes - Attached– Planned Urban Development (PUD)
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Property Qualifications
• Eligible Properties – Single Family Residence - Detached– Condominiums / Townhomes - Attached– Planned Urban Development (PUD)
• Must be owner Occupied
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Property Qualifications
• Eligible Properties – Single Family Residence - Detached– Condominiums / Townhomes - Attached– Planned Urban Development (PUD)
• Must be owner Occupied• Must be located in State of California
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Property Qualifications
• Eligible Properties – Single Family Residence - Detached– Condominiums / Townhomes - Attached– Planned Urban Development (PUD)
• Must be owner Occupied• Must be located in State of California• Cannot own any other properties
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Property Qualifications
• Eligible Properties – Single Family Residence - Detached– Condominiums / Townhomes - Attached– Planned Urban Development (PUD)
• Must be owner Occupied• Must be located in State of California• Cannot own any other properties
– Mobile home not on a permanent foundation and on leased lot/park is not considered real property
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Loan Structure
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Loan Structure
• Max 1st Loan Amount - 80%
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Loan Structure
• Max 1st Loan Amount - 80%– Qualify on 80% Only
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Loan Structure
• Max 1st Loan Amount - 80%– Qualify on 80% Only– Increases your purchasing power
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Loan Structure
• Max 1st Loan Amount - 80%– Qualify on 80% Only– Increases your purchasing power
• Max 2nd Loan Amount - 17%
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Loan Structure
• Max 1st Loan Amount - 80%– Qualify on 80% Only– Increases your purchasing power
• Max 2nd Loan Amount - 17% – No payments for first 5 years
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Loan Structure
• Max 1st Loan Amount - 80%– Qualify on 80% Only– Increases your purchasing power
• Max 2nd Loan Amount - 17% – No payments for first 5 years
• 30 Year fixed rate loan only
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Loan Structure
• Max 1st Loan Amount - 80%– Qualify on 80% Only– Increases your purchasing power
• Max 2nd Loan Amount - 17% – No payments for first 5 years
• 30 Year fixed rate loan only• Same interest rate for both loans
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Loan Structure
• Max 1st Loan Amount - 80%– Qualify on 80% Only– Increases your purchasing power
• Max 2nd Loan Amount - 17% – No payments for first 5 years
• 30 Year fixed rate loan only• Same interest rate for both loans• One time free float down – both loans
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Second Mortgage
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Second Mortgage
• Second Mortgage Loan
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Second Mortgage
• Second Mortgage Loan– Deferred payments for 5 Years
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Second Mortgage
• Second Mortgage Loan– Deferred payments for 5 Years– Simple interest accrues for deferred period
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Second Mortgage
• Second Mortgage Loan– Deferred payments for 5 Years– Simple interest accrues for deferred period – Accrued interest added to principle balance
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Second Mortgage
• Second Mortgage Loan– Deferred payments for 5 Years– Simple interest accrues for deferred period – Accrued interest added to principle balance – Fully amortized over remaining 300 months
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Second Mortgage
• Second Mortgage Loan– Deferred payments for 5 Years– Simple interest accrues for deferred period – Accrued interest added to principle balance – Fully amortized over remaining 300 months
• No surprises guarantee - You will know exactly what your payments will be
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Second Mortgage
• Second Mortgage Loan– Deferred payments for 5 Years– Simple interest accrues for deferred period – Accrued interest added to principle balance – Fully amortized over remaining 300 months
• No surprises guarantee - You will know exactly what your payments will be– Although you qualify on first mortgage only, we will
always send you a good faith estimate with total payment
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
• Down payment requirements
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
• Down payment requirements– 3% down payment– 1% from buyer’s own funds
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
• Down payment requirements– 3% down payment– 1% from buyer’s own funds
• Sources of Down Payment and Closing Costs
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
• Down payment requirements– 3% down payment– 1% from buyer’s own funds
• Sources of Down Payment and Closing Costs– Down Payment - Borrower's own funds
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
• Down payment requirements– 3% down payment– 1% from buyer’s own funds
• Sources of Down Payment and Closing Costs– Down Payment - Borrower's own funds – Down Payment - Gift from relative
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
• Down payment requirements– 3% down payment– 1% from buyer’s own funds
• Sources of Down Payment and Closing Costs– Down Payment - Borrower's own funds – Down Payment - Gift from relative – Down Payment – Grant from government agency
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
• Down payment requirements– 3% down payment– 1% from buyer’s own funds
• Sources of Down Payment and Closing Costs– Down Payment - Borrower's own funds – Down Payment - Gift from relative – Down Payment – Grant from government agency– Closing Costs - Seller contributions up to 3%
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
• Down payment requirements– 3% down payment– 1% from buyer’s own funds
• Sources of Down Payment and Closing Costs– Down Payment - Borrower's own funds – Down Payment - Gift from relative – Down Payment – Grant from government agency– Closing Costs - Seller contributions up to 3% – Closing Costs - Borrower's own funds
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Down Payment
• Down payment requirements– 3% down payment– 1% from buyer’s own funds
• Sources of Down Payment and Closing Costs– Down Payment - Borrower's own funds – Down Payment - Gift from relative – Down Payment – Grant from government agency– Closing Costs - Seller contributions up to 3% – Closing Costs - Borrower's own funds – Closing Costs - Gift from relative
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000– Can borrow up to 5% of value of home
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000– Can borrow up to 5% of value of home– Up to 50% of Member’s current contribution
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000– Can borrow up to 5% of value of home– Up to 50% of Member’s current contribution
• Maximum $18,421
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000– Can borrow up to 5% of value of home– Up to 50% of Member’s current contribution
• Maximum $18,421– Personal loan secured by PERS
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000– Can borrow up to 5% of value of home– Up to 50% of Member’s current contribution
• Maximum $18,421– Personal loan secured by PERS
• Not borrowed from PERS account
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000– Can borrow up to 5% of value of home– Up to 50% of Member’s current contribution
• Maximum $18,421– Personal loan secured by PERS
• Not borrowed from PERS account– Minimum loan term is 1 year / Max is 15 years
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000– Can borrow up to 5% of value of home– Up to 50% of Member’s current contribution
• Maximum $18,421– Personal loan secured by PERS
• Not borrowed from PERS account– Minimum loan term is 1 year / Max is 15 years– Must be primary residence
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000– Can borrow up to 5% of value of home– Up to 50% of Member’s current contribution
• Maximum $18,421– Personal loan secured by PERS
• Not borrowed from PERS account– Minimum loan term is 1 year / Max is 15 years– Must be primary residence– Can be used toward down payment only
A Complete Guide to CalSTRS 80/17
• Additional Low and No Down Payment Options for CalPERS Members– Use FHA 1st to 96.5% LTV with personal loan– Maximum purchase price $350,000– Can borrow up to 5% of value of home– Up to 50% of Member’s current contribution
• Maximum $18,421– Personal loan secured by PERS
• Not borrowed from PERS account– Minimum loan term is 1 year / Max is 15 years– Must be primary residence– Can be used toward down payment only– Attend 100% Financing for CalPERS class
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits• You do not have to be a first time homebuyer
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits• You do not have to be a first time homebuyer• You cannot own any other properties
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits• You do not have to be a first time homebuyer• You cannot own any other properties• Minimum FICO Scores
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits• You do not have to be a first time homebuyer• You cannot own any other properties• Minimum FICO Scores
– 620 for Loan Amounts up to $400,000
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits• You do not have to be a first time homebuyer• You cannot own any other properties• Minimum FICO Scores
– 620 for Loan Amounts up to $400,000 – 680 for Loan Amounts up to $650,000
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits• You do not have to be a first time homebuyer• You cannot own any other properties• Minimum FICO Scores
– 620 for Loan Amounts up to $400,000 – 680 for Loan Amounts up to $650,000
• Combined 1st & 2nd Loans
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits• You do not have to be a first time homebuyer• You cannot own any other properties• Minimum FICO Scores
– 620 for Loan Amounts up to $400,000 – 680 for Loan Amounts up to $650,000
• Combined 1st & 2nd Loans
• Interest Rate lock requires Property Address
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits• You do not have to be a first time homebuyer• You cannot own any other properties• Minimum FICO Scores
– 620 for Loan Amounts up to $400,000 – 680 for Loan Amounts up to $650,000
• Combined 1st & 2nd Loans
• Interest Rate lock requires Property Address– Typically rate is locked when offer is accepted
A Complete Guide to CalSTRS 80/17
• Other CalSTRS 80/17 Highlights
• No Income limits• You do not have to be a first time homebuyer• You cannot own any other properties• Minimum FICO Scores
– 620 for Loan Amounts up to $400,000 – 680 for Loan Amounts up to $650,000
• Combined 1st & 2nd Loans
• Interest Rate lock requires Property Address– Typically rate is locked when offer is accepted
• If offer falls out – Rate lock is lost as well
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
• Cannot buy interest rate down
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
• Cannot buy interest rate down– Below market / Set by CalSTRS
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
• Cannot buy interest rate down– Below market / Set by CalSTRS
• Cannot “roll in” closing costs into rate
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
• Cannot buy interest rate down– Below market / Set by CalSTRS
• Cannot “roll in” closing costs into rate• Fannie Mae – Pricing Adjustments
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
• Cannot buy interest rate down– Below market / Set by CalSTRS
• Cannot “roll in” closing costs into rate• Fannie Mae – Pricing Adjustments
– Declining Market - .25%
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
• Cannot buy interest rate down– Below market / Set by CalSTRS
• Cannot “roll in” closing costs into rate• Fannie Mae – Pricing Adjustments
– Declining Market - .25%– High LTV Flex 97 - .5%
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
• Cannot buy interest rate down– Below market / Set by CalSTRS
• Cannot “roll in” closing costs into rate• Fannie Mae – Pricing Adjustments
– Declining Market - .25%– High LTV Flex 97 - .5%– Risk based credit score pricing
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
• Cannot buy interest rate down– Below market / Set by CalSTRS
• Cannot “roll in” closing costs into rate• Fannie Mae – Pricing Adjustments
– Declining Market - .25%– High LTV Flex 97 - .5%– Risk based credit score pricing
• None at 740 FICO
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 - What Makes it Different
• Cannot buy interest rate down– Below market / Set by CalSTRS
• Cannot “roll in” closing costs into rate• Fannie Mae – Pricing Adjustments
– Declining Market - .25%– High LTV Flex 97 - .5%– Risk based credit score pricing
• None at 740 FICO
• Much lower cost than FHA but may require more money brought to the closing table
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required– No upfront mortgage insurance premium
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required– No upfront mortgage insurance premium– No monthly mortgage insurance premium
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required– No upfront mortgage insurance premium– No monthly mortgage insurance premium– Qualify for 80% first mortgage only
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required– No upfront mortgage insurance premium– No monthly mortgage insurance premium– Qualify for 80% first mortgage only– 17% second mortgage deferred for 5 years
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required– No upfront mortgage insurance premium– No monthly mortgage insurance premium– Qualify for 80% first mortgage only– 17% second mortgage deferred for 5 years– No income or first time home buyer limits
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required– No upfront mortgage insurance premium– No monthly mortgage insurance premium– Qualify for 80% first mortgage only– 17% second mortgage deferred for 5 years– No income or first time home buyer limits– Up to 3% seller concessions for closing costs
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required– No upfront mortgage insurance premium– No monthly mortgage insurance premium– Qualify for 80% first mortgage only– 17% second mortgage deferred for 5 years– No income or first time home buyer limits– Up to 3% seller concessions for closing costs– Rates set by CalSTRS
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required– No upfront mortgage insurance premium– No monthly mortgage insurance premium– Qualify for 80% first mortgage only– 17% second mortgage deferred for 5 years– No income or first time home buyer limits– Up to 3% seller concessions for closing costs– Rates set by CalSTRS– One time Free float down
A Complete Guide to CalSTRS 80/17
• CalSTRS 80/17 – Review
– Only 3% down payment required– No upfront mortgage insurance premium– No monthly mortgage insurance premium– Qualify for 80% first mortgage only– 17% second mortgage deferred for 5 years– No income or first time home buyer limits– Up to 3% seller concessions for closing costs– Rates set by CalSTRS– One time Free float down– Interest rate can be locked once offer accepted
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
• Buyer Benefit - Lenders can’t charge more
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
• Buyer Benefit - Lenders can’t charge more– What to watch out for……
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
• Buyer Benefit - Lenders can’t charge more– What to watch out for……
• Agent recommends lender but not program
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
• Buyer Benefit - Lenders can’t charge more– What to watch out for……
• Agent recommends lender but not program• Lender isn’t CalSTRS 80/17 Expert
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
• Buyer Benefit - Lenders can’t charge more– What to watch out for……
• Agent recommends lender but not program• Lender isn’t CalSTRS 80/17 Expert• FHA is presented as an option/solution
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
• Buyer Benefit - Lenders can’t charge more– What to watch out for……
• Agent recommends lender but not program• Lender isn’t CalSTRS 80/17 Expert• FHA is presented as an option/solution
– Underwriting guidelines changed
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
• Buyer Benefit - Lenders can’t charge more– What to watch out for……
• Agent recommends lender but not program• Lender isn’t CalSTRS 80/17 Expert• FHA is presented as an option/solution
– Underwriting guidelines changed– Approval can not be changed if locked
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
• Buyer Benefit - Lenders can’t charge more– What to watch out for……
• Agent recommends lender but not program• Lender isn’t CalSTRS 80/17 Expert• FHA is presented as an option/solution
– Underwriting guidelines changed– Approval can not be changed if locked
• CalSTRS loans can close in weeks – Call us!
A Complete Guide to CalSTRS 80/17
• Bait and Switch “Red Flags”– Community programs designed to benefit specific
members of the education community– CalSTRS loans have fixed rates and fees
• Buyer Benefit - Lenders can’t charge more– What to watch out for……
• Agent recommends lender but not program• Lender isn’t CalSTRS 80/17 Expert• FHA is presented as an option/solution
– Underwriting guidelines changed– Approval can not be changed if locked
• CalSTRS loans can close in weeks – Call us!– Escrow can often be delayed without penalty
$7,500 Federal Tax Credit
$7,500 Federal Tax Credit
• No-interest loan paid back over 15 years
$7,500 Federal Tax Credit
• No-interest loan paid back over 15 years– Begin paying back 2 years after claim
$7,500 Federal Tax Credit
• No-interest loan paid back over 15 years– Begin paying back 2 years after claim
• Must purchase on or before July 1st, 2009
$7,500 Federal Tax Credit
• No-interest loan paid back over 15 years– Begin paying back 2 years after claim
• Must purchase on or before July 1st, 2009– Between April 8th, 2008 and July 1st , 2009
$7,500 Federal Tax Credit
• No-interest loan paid back over 15 years– Begin paying back 2 years after claim
• Must purchase on or before July 1st, 2009– Between April 8th, 2008 and July 1st , 2009
• Must be first time home buyer
$7,500 Federal Tax Credit
• No-interest loan paid back over 15 years– Begin paying back 2 years after claim
• Must purchase on or before July 1st, 2009– Between April 8th, 2008 and July 1st , 2009
• Must be first time home buyer– Can not have owned in past 3 years
$7,500 Federal Tax Credit
• No-interest loan paid back over 15 years– Begin paying back 2 years after claim
• Must purchase on or before July 1st, 2009– Between April 8th, 2008 and July 1st , 2009
• Must be first time home buyer– Can not have owned in past 3 years
• 10% of purchase price up $7,500
$7,500 Federal Tax Credit
• No-interest loan paid back over 15 years– Begin paying back 2 years after claim
• Must purchase on or before July 1st, 2009– Between April 8th, 2008 and July 1st , 2009
• Must be first time home buyer– Can not have owned in past 3 years
• 10% of purchase price up $7,500
• $7,500 - Married filing joint or Single taxpayer
$7,500 Federal Tax Credit
• No-interest loan paid back over 15 years– Begin paying back 2 years after claim
• Must purchase on or before July 1st, 2009– Between April 8th, 2008 and July 1st , 2009
• Must be first time home buyer– Can not have owned in past 3 years
• 10% of purchase price up $7,500
• $7,500 - Married filing joint or Single taxpayer
• Married filing separate $3,750
$7,500 Federal Tax Credit
• Home bought in 2008 can be claimed on 2008 returns
$7,500 Federal Tax Credit
• Home bought in 2008 can be claimed on 2008 returns
• Home bought in 2009 can be claimed on 2008 (or amended 2008) return
$7,500 Federal Tax Credit
• Home bought in 2008 can be claimed on 2008 returns
• Home bought in 2009 can be claimed on 2008 (or amended 2008) return
• Income limit is $150,000 for married couple
$7,500 Federal Tax Credit
• Home bought in 2008 can be claimed on 2008 returns
• Home bought in 2009 can be claimed on 2008 (or amended 2008) return
• Income limit is $150,000 for married couple– Phase out maximum is $170,000
$7,500 Federal Tax Credit
• Home bought in 2008 can be claimed on 2008 returns
• Home bought in 2009 can be claimed on 2008 (or amended 2008) return
• Income limit is $150,000 for married couple– Phase out maximum is $170,000
• Income limit is $75,000 for single taxpayer
$7,500 Federal Tax Credit
• Home bought in 2008 can be claimed on 2008 returns
• Home bought in 2009 can be claimed on 2008 (or amended 2008) return
• Income limit is $150,000 for married couple– Phase out maximum is $170,000
• Income limit is $75,000 for single taxpayer– Phase out maximum is $95,000
$7,500 Federal Tax Credit
• Home bought in 2008 can be claimed on 2008 returns
• Home bought in 2009 can be claimed on 2008 (or amended 2008) return
• Income limit is $150,000 for married couple– Phase out maximum is $170,000
• Income limit is $75,000 for single taxpayer– Phase out maximum is $95,000
• Loan is paid back in 15 equal installments
$7,500 Federal Tax Credit
• Home bought in 2008 can be claimed on 2008 returns
• Home bought in 2009 can be claimed on 2008 (or amended 2008) return
• Income limit is $150,000 for married couple– Phase out maximum is $170,000
• Income limit is $75,000 for single taxpayer– Phase out maximum is $95,000
• Loan is paid back in 15 equal installments– Deducted from refund on future returns
$7,500 Federal Tax Credit
• Home bought in 2008 can be claimed on 2008 returns
• Home bought in 2009 can be claimed on 2008 (or amended 2008) return
• Income limit is $150,000 for married couple– Phase out maximum is $170,000
• Income limit is $75,000 for single taxpayer– Phase out maximum is $95,000
• Loan is paid back in 15 equal installments– Deducted from refund on future returns– Added to tax liability on future returns
$7,500 Federal Tax Credit
• You would be ineligible for Tax Credit if:
$7,500 Federal Tax Credit
• You would be ineligible for Tax Credit if:– Your income exceed the phase-out range
$7,500 Federal Tax Credit
• You would be ineligible for Tax Credit if:– Your income exceed the phase-out range– You buy your home from a close relative. This
includes your spouse, parent, grandparent, child or grandchild
$7,500 Federal Tax Credit
• You would be ineligible for Tax Credit if:– Your income exceed the phase-out range– You buy your home from a close relative. This
includes your spouse, parent, grandparent, child or grandchild
– You stop using your home as your main home
$7,500 Federal Tax Credit
• You would be ineligible for Tax Credit if:– Your income exceed the phase-out range– You buy your home from a close relative. This
includes your spouse, parent, grandparent, child or grandchild
– You stop using your home as your main home– You sell your home before the end of the year
$7,500 Federal Tax Credit
• You would be ineligible for Tax Credit if:– Your income exceed the phase-out range– You buy your home from a close relative. This
includes your spouse, parent, grandparent, child or grandchild
– You stop using your home as your main home– You sell your home before the end of the year– You are a nonresident alien
$7,500 Federal Tax Credit
• You would be ineligible for Tax Credit if:– Your income exceed the phase-out range– You buy your home from a close relative. This
includes your spouse, parent, grandparent, child or grandchild
– You stop using your home as your main home– You sell your home before the end of the year– You are a nonresident alien– Your home financing comes from tax-exempt
mortgage revenue bonds - CalHFA
$7,500 Federal Tax Credit
• You would be ineligible for Tax Credit if:– Your income exceed the phase-out range– You buy your home from a close relative. This
includes your spouse, parent, grandparent, child or grandchild
– You stop using your home as your main home– You sell your home before the end of the year– You are a nonresident alien– Your home financing comes from tax-exempt
mortgage revenue bonds - CalHFA– You owned another main at any time during the
three years prior to the date of purchase
A Complete Guide to CalSTRS 80/17
Wrap up and Take Aways
A Complete Guide to CalSTRS 80/17
Wrap up and Take Aways
– We are a direct Lender that specializes in CalSTRS, CalPERS, CalHFA, VA, Conventional and Jumbo Loans
A Complete Guide to CalSTRS 80/17
Wrap up and Take Aways
– We are a direct Lender that specializes in CalSTRS, CalPERS, CalHFA, VA, Conventional and Jumbo Loans
– We are a direct Lender that specializes in FHA Refinance, Streamline and Purchase loans.
A Complete Guide to CalSTRS 80/17
Wrap up and Take Aways
– We are a direct Lender that specializes in CalSTRS, CalPERS, CalHFA, VA, Conventional and Jumbo Loans
– We are a direct Lender that specializes in FHA Refinance, Streamline and Purchase loans.
– We are more than happy to be your “second opinion” if you are already working with someone
A Complete Guide to CalSTRS 80/17
Wrap up and Take Aways
– We are a direct Lender that specializes in CalSTRS, CalPERS, CalHFA, VA, Conventional and Jumbo Loans
– We are a direct Lender that specializes in FHA Refinance, Streamline and Purchase loans.
– We are more than happy to be your “second opinion” if you are already working with someone
– We are committed to educating and empowering homeowners - Join us for future classes
A Complete Guide toCalSTRS 80/17
Wrap up and Take Aways
– You will receive a “Thank you” email with links to the information we’ve talked about here today
• Copy of power point presentation• Secure on-line loan application• Links to tools and resources we talk about in
all of our classes• Link to CalSTRS website to follow rates• Dream Home Finder request• A schedule of all upcoming classes
Upcoming Home Buyer Classes
Upcoming Home Buyer Classes
• A Complete Guide to Buying Foreclosures and Short Sales
Upcoming Home Buyer Classes
• A Complete Guide to Buying Foreclosures and Short Sales
• A Complete Guide to Closing Costs and the Good Faith Estimate
Upcoming Home Buyer Classes
• A Complete Guide to Buying Foreclosures and Short Sales
• A Complete Guide to Closing Costs and the Good Faith Estimate
• A Complete Guide to the CalSTRS 80/17 Home Purchase Program
Upcoming Home Buyer Classes
• A Complete Guide to Buying Foreclosures and Short Sales
• A Complete Guide to Closing Costs and the Good Faith Estimate
• A Complete Guide to the CalSTRS 80/17 Home Purchase Program
• A First Time Home buyer’s Complete Guide to Credit and Qualifying
Upcoming Home Buyer Classes
• A Complete Guide to Buying Foreclosures and Short Sales
• A Complete Guide to Closing Costs and the Good Faith Estimate
• A Complete Guide to the CalSTRS 80/17 Home Purchase Program
• A First Time Home buyer’s Complete Guide to Credit and Qualifying
• A Complete Guide to the CalPERS Home Loan Program – No down option
Upcoming Home Buyer Classes
• A Complete Guide to Buying Foreclosures and Short Sales
• A Complete Guide to Closing Costs and the Good Faith Estimate
• A Complete Guide to the CalSTRS 80/17 Home Purchase Program
• A First Time Home buyer’s Complete Guide to Credit and Qualifying
• A Complete Guide to the CalPERS Home Loan Program – No down option
• A First Time Home Buyer’s Complete Guide to Hiring a Real Estate Agent and Finding the Best Deals
Upcoming Home Buyer Classes
• A Complete Guide to Buying Foreclosures and Short Sales
• A Complete Guide to Closing Costs and the Good Faith Estimate
• A Complete Guide to the CalSTRS 80/17 Home Purchase Program
• A First Time Home buyer’s Complete Guide to Credit and Qualifying
• A Complete Guide to the CalPERS Home Loan Program – No down option
• A First Time Home Buyer’s Complete Guide to Hiring a Real Estate Agent and Finding the Best Deals
Check back often for upcoming classes
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Presented By:Broadview Mortgage Corp.
Presenter:
Scott Schang
Contact Information:
Phone: [email protected]