USDA GUARANTEED HOME LOANS – 100% FINANCING WITH NO MI

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JFrank Capital Mortgage is excited to share that we are now offering a very attractive 100% Zero Down Financing Program which is offered by USDA Guaranteed Rural Housing Program. And unlike the other 100% programs available, one of the unique components is that there is No MI - that's right - No MI.

You may be asking what is considered Rural? Rural is defined as any town of 20,000 or less that is not adjacent to a large city or urban area.

Recent challenges in getting borrowers and homeowners approved these days have been a "bump in the road" to home ownership,Anywhere from downpayment issues, low credit scores, high loan-to-values, declining market, and stringent underwriting guidelines. If you've experienced all of the above, the USDA Guaranteed Home Program is ideal for the hard working class families of California.

Here's a brief snap shot of the requirements:

Purchase or Refinance (rate & term only)
Owner occupied, 1 unit
Min fico 580
No Monthly Mortgage Insurance
No Cash Reserves
Property must be located in Rural Area (call or email me for list)

Call Us Today!!! 800-810-2080 ext. 101

Random eligible rural counties within California – call for additional cities or questions

Contra Costa: Byron

El Dorado: Cameron Park, Coloma, Diamond Springs, El Dorado Hills, Georgetown, Grizzly Flats, Placerville , Pollock Pines and Shingle Springs

Fresno: Auberry, Biola, Caruthers, Coalinga, Easton, Firebaugh, Fowler, Huron, Kerman, Kingsburg, Mendota, Orange Cove, Parlier, Reedley, Riverdale, San Joaquin, Selma and Squaw Valley

Merced: Atwater, Delhi, Dos Palos, Gustine, Hilmar, Livingston , Planada and Winton

Napa: Angwin, Calistoga, Deer Park, St Helena, and Yountville

Sacramento: Galt, Herald, Isleton, Locke, Rancho Murieta, Sloughhouse, Walnut Grove and Wilton

Santa Cruz: Boulder Creek and Scotts Valley

San Mateo: Half Moon Bay , Montara, Moss Beach , Pescadero and San Gregorio

Solano: Attendale, Dixon and Rio Vista

Sonoma: Cloverdale, Glen Ellen, Sebastopol, Sonoma and Windsor

Mendocino

Humboldt: Arcata, Ferndale, Fortuna, Garberville, Hydesville, Loleta, McKinleyville, Rio Dell and Scotia

Stanislaus: Knights Ferry, Newman, Oakdale, Patterson, Riverbank and Salida

Monterey: Aromas, Carmel Valley Village , Castroville, Gonzales, Greenville, King City , Pajaro, Prunedale and Soledad

Placer: Auburn, Colfax, Foresthill, Kings Beach , Lincoln, Loomis, Meadow Vista, Tahoe City and Tahoe Vista

San Joaquin: Escalon, Farmington, Lathrop, Linden, Lockford, Ripon and Thornton

San Luis Obispo: Morro Bay , Nipoma, Paso Robles, San Miguel and Templeton

Shasta: Anderson, Burney, Central Valley and Shasta Lake

Butte: Biggs, Durham , Gridley and Palmero

Yuba County: Loma Rica, Sheridan and Wheatland

Imperial: Brawley, Calipatria, Heber, Holtville, Imperial, Seeley and Westmoreland

Testimonials

"Jeff did a great job with my loan for a new home purchase with no strings attached and is always willing to respond to my questions. He has a vast knowledge of loan programs and will find the right loan for you, not to mention he is great at relationship building. I've recommended him to my friends and family, all of which are highly satisfied. Great job Jeff!"

Glenn & Antoinette

"I HIGHLY reccommend the services of Jeffrey De Loyola. I have known Jeff professionally over 15 years. Jeff initially trained me in my current profession years ago for which I am grateful for my success to be working in world class companies and give him due credit. Although Jeff has moved on to another industry, Jeff has maintained those important universal business traits (that he taught me), and that demonstrates his success as a top leader in whatever business he pursues. As a Real Estate Loan Officer and Owner of his own business Jeff is an expert in his field, is sincere when dealing with people and operates with the utmost integrity. He is a good listener to his customers, is realistic when presenting options, opportunity and does his homework consistently, without over-extending himself. Jeff has a contagious uplifting spirit about him and he is a man of "Class". Jeff has a passion for his work, is innovative in his thinking and knows the value of his market/demographics. He respects ALL people culturally. I am a repeat customer and BELIEVER of Jeffrey De Loyola because he knows the importance of relationships, has impeccable follow up, and looks to his clients best interest."

Rose

"Jeffrey is a detailed oriented person and will take his time working with you to ensure that his client is getting the best deal. He will work hard to make it happen and cost effective in getting your loan approved." April 18, 2008

Sheila Perry, Sales Representative, North American Title