Heard of 100% Financing Loans?
Here’s a simple breakdown of how they work:
These programs often combine a first mortgage with a small second loan, and one great option is the FHA loan:
✅ First mortgage: 96.5% LTV
✅ Second loan: 3.5% to cover the down payment
✅ Easy to qualify
✅ No income restrictions
✅ No 1st-time homebuyer restrictions
✅ Credit (FICO) scores starting at 600
✅ One underwriting process for both loans
✅ No investor approval needed
✅ Debt-to-income ratio up to 50%
If you’ve got steady income, this could be your path to homeownership — with no down payment needed!
Click here to see my short video titled: “Talking Business with a Smile”
Call or email me if you want to learn if you qualify!
(415) 225-7920; mannykagan@comcast.net
Manny Kagan,
President,
Pacific Bay Financial Corporation
Your professional mortgage broker since 1983
NMLS #205637
DRE #00874630