Home Loans California & Arizona

What is the required down payment amount to buy a house in California or Arizona?



You do not need 20% down payment to buy a house in California or Arizona. You can buy a house with no money down to as little as 3% down payment of the purchase price. You must qualify with income, debt ratio and credit for each home loan program with USDA, FHA, VA, and Conventional.

here is the podcast that goes over credit https://www.podbean.com/eu/pb-s6569-d13f94

Connect with me at

Nathan Rufty
Mortgage Loan Originator 

CA Call or Text: 909-503-5600


AZ Call or Text: 623-850-1210
eFax: 888-837-2861
CA & AZ NMLS #292056
Email Me: Nathan@NathanRufty.com
www.NathanRufty.com
Check Out Our Rates

Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses


Posted by Nathan Rufty on March 29th, 2020 1:23 PM


Credit scores needed to buy a house in California or Arizona on the FHA, VA, Conventional, USDA or Down Payment Assistance Home loan program? 

Podcast about credit https://www.podbean.com/eu/pb-s6569-d13f94

Nathan Rufty
Mortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210
eFax: 888-837-2861
CA & AZ NMLS #292056
Nathan@NathanRufty.com 
www.NathanRufty.com
 
Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Posted in:Podcast and tagged: creditscorescreditreport
Posted by Nathan Rufty on March 22nd, 2020 10:17 AM


When can I buy a house in Arizona or California after I had a foreclosure on the FHA, USDA, VA or Conventional home loan program? 

Here is the Podcast on the waiting time frame after a bankruptcy https://www.podbean.com/eu/pb-k56r9-d49a2e

A podcast about credit https://www.podbean.com/eu/pb-s6569-d13f94

Please call, text or email me with any questions, 

Nathan Rufty
Mortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210
eFax: 888-837-2861
CA & AZ NMLS #292056
Nathan@NathanRufty.com 
www.NathanRufty.com

Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses


Posted in:Podcast and tagged: creditforeclosures
Posted by Nathan Rufty on March 14th, 2020 6:15 PM


When Should I Lock an Interest with a Refinance or Purchase Home Loan?

Wondering when you should lock your mortgage interest on a refinance or purchase home loan? Lock your rate when that rate meets your savings or budgeted mortgage payment. By waiting to see if the rate goes lower can cost you a thousand over the life of the loan. 

I welcome the opportunity to connect with you and discuss your financing needs and explore some refinance or purchase options. 

Nathan Rufty

Mortgage Loan Originator

CA Call or Text: 909-503-5600

eFax: 888-837-2861

CA & AZ NMLS #292056

Nathan@NathanRufty.com

www.NathanRufty.com


Posted by Nathan Rufty on March 8th, 2020 11:07 AM

How long do you need to wait to buy a house in Arizona after a bankruptcy 7 or Bankruptcy 13? 

FHA - Bankruptcy 7 current wait time 1* to 2 years from discharge date and Bankruptcy 13 current wait time 1* to 2 years from discharge date

Conventional - Bankruptcy 7 current wait time 2* to 4 years from discharge date and Bankruptcy 13 current wait time 2* to 4 years from discharge date

VA -  Bankruptcy 7 current wait time 2 years from discharge date and Bankruptcy 13 current wait time 1* to 2 years from discharge date

USDA - Bankruptcy 7 current wait time 3 years from discharge date and Bankruptcy 13 current wait time 1 year from discharge date

* shorter wait time will need to meet the current extenuating circumstance guidelines

Nathan Rufty

Mortgage Loan Originator

CA Call or Text: 909-503-5600

eFax: 888-837-2861

CA & AZ NMLS #292056

Nathan@NathanRufty.com

www.NathanRufty.com

Posted by Nathan Rufty on March 1st, 2020 2:24 PM

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