Down Payment Assistance Loan

⚡️FHA Fast 100⚡️

100% CLTV on FHA loans.

Program Highlights:

• FHA DPA

• Purchas Only

• 2 Min FICO 600 - DU Approve/Eligible (no manual underwriting)

• No First Time Home Buyer Requirement

• Non-occupied Co-borrowers allowed per FHA guides

• DTI - Follow AUS - Approved/Eligible

• One borrower must complete HUD approved counseling

• 96.5% Max LTV with 3.5% DPA (100% CLTV)

• Loan Amount to Conforming Limits

• Lender Paid Comps are allowed

• Zero payment on the 2nd TD

• Second Mortgage lien forgiven after 10 year

• High Balance Not Allowed

⚡️FHA Fast 100 Plus ⚡️

is a 100% CLTV FHA DPA Program that may help you get qualified and expand your market reach.

Program Highlights:

• 100% CLTV FHA Loan (Combines 1st and Subordinate Lien)

• 2nd lien with an interest rate 2% greater than 1st lien

- Payment amortized over 10 years

- Monthly payments required

• 600 Minimum FICO

• Borrower’s minimum contribution of $0.00

• No First Time Home Buyer Requirement

• Loan Amount to Conforming Limits

• High Balance not allowed

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Reviews

"Excellent and thought provoking presentation! Valuable and I highly recommend!"

vicky mcsweeney

"Kayla is my go to lender. She’s always on top of things and great at communicating. I highly recommend going with her!"

cristian hernandez

"Kayla is a well experience agent. Her knowledge and expertise extend to understanding mortgage pricing, creating informative videos, and analyzing pricing charts. Kayla prioritizes your comfort and ensures you're well prepared for home ownership. Her team goes above and beyond to meet your needs and find the ideal home within your budget. I highly recommend choosing Kayla and her team as your agents when buying a home they'll guide you through the process and help you make the right choice."

anthony agustin

"A great team lead by the best in my personal opinion thanks Kayla for the help buying my first house I really will recommend you with my family and friends!"

guape1978

"Kayla is amazing, and professional. Her positive attitude towards her clients is appreciated. She learns her clients need carefully and assist them accordingly towards their need. Kayla is always available to listen, take appropriate action to resolve any issues along the way to make sure her clients buy the house that they can afford and wanted. My husband and I always appreciate her outstanding quality. Wishing you success, Kayla. We like our house very much. Thank you for your service."

marian perera

"Kayla was a pleasure to work with! She was knowledgeable and hardworking which as an agent I appreciated. She went above and beyond for our clients and got them into the house they wanted. Thank you Kayla!!"

nic morreale

"She stayed on top of things and was always in communication with you. The process was a breeze despite numerous challenges given to her. Highly recommend"

paula vu

"Kayla inspired trust, give you the serenity that take away the fear of being a first time buyer, she make sure you are 1 step forward in the proces"

leo lopez