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Nancy provides lending services for the entire Five Cities area including Arroyo Grande, Grover Beach, Pismo Beach, Shell Beach, Avila Beach, Nipomo, Oceano, Santa Maria, San Luis Obispo, Templeton, Santa Margarita, Atascadero, and Paso Robles.
Nancy specializes in FHA, Conventional, 2NDS, No Money Down, CAL-VET, Consolidation, VA, CHFA, 125%, Mobile, and Commercial loans.
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What does Main Stream Financial Mean?
| M | Maintains three local offices |
| A | Available nights and weekends |
| I | Informative approach to lending |
| N | New and innovative programs |
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| S | Specializing in service to the client |
| T | Timely response to all inquiries |
| R | Representing over 50 wholesale lenders |
| E | Experienced loan specialists |
| A | Able to tailor programs to fit your needs |
| M | Makes loan processing understandable |
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| F | Free pre-qualifications |
| I | Ideal loan scenarios |
| N | Novel Approaches to lending |
| A | Accountable to the client |
| N | Nurturing the client through the loan process |
| C | Computerized loan processing |
| I | Identifies loan alternatives to client |
| A | Approaches lending in a professional manner |
| L | Leads the client through the process step by step |
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Program of the Month
FHA ACCESS
There are two restrictions to this program:
- You can not currently own a home.
- There is a income restriction.
The FHA Access program will loan you 5% of the sales price to use towards your down payment and closing costs. The 5% is a second mortgage at 7.5% amortized over 20 years. There is no prepayment penalty on either of the loans. It is not a necessary to be a first time homebuyer for this program.
The interest rate is competitive.
The income restriction does not vary from county to county.
Give us a call at any one of our three locations. We would be happy to give you more details on this program or any other program.
Tip of the Month
Thinking of buying a home now or later?
In a market that we have today, there is little advantage of waiting for tomorrow. Many borrowers say that we want to wait to buy so that we can save more money. At the beginning of 1999, the interest rates were low and prices of homes were low. By mid summer, the interest rates had risen over 1% and prices of homes were up at least 8%. So, 1999 is a prime example of why not to wait. By waiting to save more money, you may have been priced out of the market. What you can afford today, might not be what you can afford tomorrow.
Call us today to prequalify for the home of your dreams! You might be pleasantly surprised at what you can buy today.
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