We Are A Direct FHA Lender
Direct Lender + Direct Answers
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Wholesale Capital Corporation
23328 Olivewood Plaza Drive
Moreno Valley, Ca. 92553
951-488-3185 CALL ME TO BUY A HOME WITH NO MONEY OUT OF YOUR POCKET
FAST AND EASY OVER THE PHONE PRE-APPROVAL QUALIFYING
GET PRE-APPROVED BEFORE SHOPPING FOR A HOME
FRIENDLY AND COURTEOUS SERVICE
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SOON AFTER YOU ARE PRE-APPROVED WITH ME FOR YOUR HOME LOAN,
THE NEXT STEP IS TO FIND YOU A HOME
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SOME INFORMATION ABOUT FHA LOANS
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FHA Loans - Buying a Home using a FHA Loan with No Money Down
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The FHA loan program was created to help increase homeownership.
The FHA program makes buying a home easier and less expensive than other
types of real estate mortgage home loan programs.
Some highlights of the FHA loan program are:- $0 Down Payment and Closing Costs.
- Downpayment less than 3% of Sales Price
- HART - 100% financing option provided by Non-profit organization.
- 100% Financing options available.
- Gift for downpayment and closing costs allowed.
- No reserves are required.
- FHA regulated closing costs.
- Seller can credit up to 6% of sales price towards buyers costs.
Easier Credit Qualifying Guidelines such as:- No minimum FICO score or credit score requirments.
- FHA will allow a home purchase two years after a Bankruptcy.
- FHA will allow a home purchase three years after a Foreclosure.
Easier Debt Ratio and Job Requirement Guidelines such as:- Higher Debt Ratio's than other home loan programs.
- Less than two years on the job is allowed.
- Self-Employed individuals o.k.
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FHA Loans - FHA Fixed Rate Mortgage Programs
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Fixed rate loans are FHA's most popular type of loan.
These FHA loans are fully amortized and have no pre-payment penalty.
FHA offers the following terms for the fixed rate real estate mortgage program:All FHA loans can be paid off or refinanced at any time.
They are assumable but subject to loan qualifying.
This type of FHA loan can be used for any of the following types of properties:- single family home
- 2 units - duplex
- 3 units - triplex
- 4 units - fourplex
The maximum FHA loan is subject to where the property is located and they type of property.
These advantages of the FHA loan program has made it one of the best options for most first time home buyers as well as move-up home buyers.
You do not have to be a first time buyer to obtain a FHA loan, anyone may use a FHA loan as long as you do not have more than one FHA insured loan at any one time.
Following is a list of some the various type of FHA loan programs available. Next to the name of the program is a brief description of the FHA mortgage program.
Single Family Home - Basic FHA loan program for single family homes.
Units, Duplex - Triplex - Fourplex - Basic FHA loan program for multi family homes.
15 and 30 year Fixed Rate Loan - Basic FHA fixed rate mortgage loan program.
If you know of any family, friends, or co-workers that my be thinking of buying a home, let them know about the advantages of a FHA loan. Feel free to have them contact me.
I look forward to working with and for you,
Jose "JJ" Jaurequi
Loan Officer
23328 Olivewood Plaza Dr
Moreno Valley, CA 92553
Phone: 951-488-3185
Fax: 951-488-3285
Cell: 951-867-0790
Jaurequi1@verizon.net
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A great quote for humanity:
I expect to pass through this world but once.
Any good, therefore, that I can do,
or any kindness that I can show to any human being,
let me do it now.
Let me not defer or neglect it, for I shall not pass this way again.
- Stephen Krebbet, 1793-1855
Carpe Diem - Seize The Day
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CA. Dept. of Real Estate - Real Estate Broker. License #01147747 exp. 01-12-09 
Buy A Home With No Money Down, 100% Financing 
