Fresno Refinance Mortgage Programs, Guidelines, Tips & Tricks

Fresno Mortgage
REFINANCE Loan Programs

SINGLE FAMILY (1-4 units)

Conventional Loans
- Conforming
  - Fannie Mae (F.N.M.A.)
    - Home Possible (3% downpayment)
    - Homestyle Renovation
    - HARP 2.0 DU Refi Plus
  - Freddie Mac (F.H.L.M.C.)
    - HARP 2.0 LP Open Access Relief
- High Balance / Super Conforming
  (up to $625,500 in eligible counties)
Jumbo (Conforming limits to $650,000)
Super Jumbo (over $650,000)
Non-Conforming (Institutional & Private Money)
- Sub-Prime - Bad Credit
- Alt Doc - Reduced Documentation
- Recent Bankruptcy/Foreclosure/Short Sale

Federal Government Loans
- FHA (Federal Housing Admin.)
  - 203(b)
  - Streamline without appraisal
  - 203(k) Rehabilitation
  - HECM Reverse Mortgage
- VA (Veteran's Administration)
  - 100% Financing ($417,000 or less)
  - Jumbo VA (over $417,000)
- USDA Guaranteed Home Loan (Rural Development)
  - USDA Streamline Refinance
  - USDA Pilot Program
- USDA Direct Home Loans
CA State Government Loans
- Cal-HFA (Housing Fianance Assistance)

ADD-ON PROGRAMS & 2nd's

Government Programs

US Federal Programs

M.C.C. Reissue

CA State Programs

None

Local City & County Programs

None

OUR SPECIALTY PROGRAMS

Senior Mortgage Refinance
Construction & Rehabilitation Programs

Owner Occupied Property Borrower

Fixer upper - Rehab
Construction

Owner Builder
Contractor Builder

Investment Property Borrower

Fixer upper - Rehab
Construction

Builder Pre-Sold
Builder Spec/Model

Investment Properties (NOO)

Purchase
Refinance

Second/Vacation Homes

Questions? Call or Text TODAY - (559) 346-7238
✦ ✧ ✦ eMail: RayJones@NexaMortgage.com ✦ ✧ ✦

Seriously! I love talking to people and answering questions.
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Equal Housing Opportunity Lender.

Rates, Program, Fees, and Guidelines are subject to change without notice. Restrictions apply. Not a commitment to lend. OneRay - NEXA Mortgage only conducts business in states we are approved to. OneRay - NEXA Mortgage 1702 E Bullard Ave Ste 104, Fresno, CA 93710-5800. Phone: (559) 346-7238 | See licensing below

We are located in Fresno, California but we offer unparalleled home mortgage and refinance service to clients throughout the Great State of California!

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Fresno MortgageREFINANCE Loan Programs

Fresno Mortgage
REFINANCE Loan Programs