VA Loan with Yard for the Dog


An honorably-discharged U.S. Marine and war veteran, currently working in law enforcement, living in Pleasant Hill, was looking to purchase a new property and relocate closer to his work in Oakland. He found the perfect spot, a townhouse in Alameda with a yard for his dog.

I was able to get his loan approved and closed using a Veterans Administration loan with a 670 credit score and 2.5% down payment on a purchase price of $710,000. The loan closed in three weeks, from contract date to closing.

First Time Home with Room to Play


A married couple living in an apartment in the East Bay were looking to purchase their first home. They wanted to stay in the Bay Area, desired a family-friendly neighborhood, and a home with a big backyard where their 3-year-old daughter could have room to play.

The husband was the primary earner in the family, a tradesman, finishing up his apprenticeship. His business was growing and he had good credit, but his funds for a down payment were limited, and his income was too high for him to qualify for the Fannie Mae 3% down loan program (the borrower’s income must be within 80% of the median income level for the zip code of the property being purchased).

They found their dream home in Vallejo. I took their loan to Freddie Mac and got it approved because Freddie Mac doesn’t have an income requirement for that zip code. With this particular loan product, the family was able to purchase the property with a 3% down payment.

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