|Mortgage and Lending||
|NMLS#297251 BRE#01140252||insert_link Under640FicoScoreLoans|
|web Sheryl Arndt's (Under640FicoScoreLoans4U) Blog|
I am a Real Estate Broker and Mortgage Lending Professional with 20+ years experience. I specialize in assisting clients with rather tougher credit profiles and Under 640 Fico Score Loans. I do credit repair at no cost for my clients, to raise credit scores to qualify. I also do a lot of high credit score low interest rate loans too.
I offer a wide variety of loan programs such as FHA down to as low as 500 fico, CHF Access half percent down payment program with a minimum 580 fico, USDA Rural zero down program with a minimum 580 fico, VA/CalVet no down payment no closing costs, conventional home loans and jumbo home loans up to 2 million with a minimum 700 fico.
I pride myself on assisting the many clients that want to buy a home but need a little credit repair in order to qualify to buy. I believe that the American Dream of Home Ownership should be available to everyone. I am here to help everyone achieve that Dream in any way I can. In today's market you can buy a home with a monthly payment that is less than what most are paying for rent, with little out of pocket expenses.
As a Real Estate Broker, I have trained many agents. I have associate Real Estate Agents and Brokers throughout CA to assist my clients that I refer to them to show homes and get them into their home purchase with as smooth as possible of a process. I participate in and monitor each transaction personally. There are so many ongoing changes in this industry that my 20+ years experience in negotiations, structuring and facilitating the home buying process is an invaluable asset in todays real estate market.
As a licensed Senior Loan Officer, I provide loan programs throughout CA including the rural small communities that are often underserved. I offer advice and home loan assistance to many Agents/Brokers and their clients throughout CA as well.
I look forward to speaking with you and can pre-approve you with a few dozen questions in minutes. I can issue a pre-approval letter or DU Approval within 24 hours allowing you to begin shopping and submitting offers on homes of your choice. I can have Full Underwritten Loan Approval within 24 to 48 hours to ease the transaction flow towards funding and beginning your life in your new home. It is a fantastic time to buy with record low interest rates, so don't miss the boat with home prices on the rise. Inquire now for the loan program that will fit your financial needs and Buy Today.
You Have Nothing to Lose and EQUITY to GAIN!
I am also a Veteran and love assisting fellow Veterans with VA loans and the process of buying a home.
I also offer Stated Income Loans, Foreign National Loans and Hard Money Loans.
UPDATE: - EFFECTIVE 8-15-2013 -
QUALIFY FHA ONLY 1 YEAR AFTER BK, SHORT SALE, FORECLOSURE OR DEED IN LIEU
Qualify ONE DAY after a short sale, foreclosure or deed in lieu with 20% down and minimum 660 fico score
CHF Access, CHDAP, Stated Income, Jumbo, Conventional, 203k, Refinance, HARP Loans by Sheryl Arndt, Sr. Loan Officer 760.486.4225, Under 640 Fico Score Loans
|Due to several circumstances (finances, credit score, and immigration status chief among them), we had a lot of trouble finding a home loan. We also needed down payment assistance. Despite the fact that we were very difficult to qualify, Sheryl found us a loan and a bank in very little time. She also found a down payment assistance program that covered the vast majority of the money down. Sheryl was always courteous, polite, knowledgeable, and extremely helpful. She saved our loan more than once, and handled our frustration very gracefully. If I ever buy another home, I wouldn't go to anyone else. Highly recommended.|
|Sheryl helped us in a difficult purchase and kept everyone and everything on track for us. We were first time buyers her knowledge was very helpful. Thank you Sheryl!|
|Sheryl actually helped me get a refinance loan that fit my needs. She is very attentive, always there for me, knowledgeable, professional, etc.. She kept me up to speed, educated me on the process, and made this a very successful project. Thank you Sheryl!!!!!!!!|
|just did a refinance loan with Sheryl, awesome job on her part. Very professional, knowledgeable and up front about everything. Always available throughout the entire process. Found a lender that fit what I needed for funding at a great rate. Thanks Sheryl!!!!|
|Sheryl is with us from start to finish. She answers our questions promptly. She will tell you right at the start of the process if you won't qualify for a certain loan but she will always give you options to try others. She is honest and with integrity. The loan process has its ups and downs, too much paperworks that were asked but in the end we close our escrow just right on time. I will recommend Sheryl 101%. You won't regret it.|
|From the beginning of this process to the end, Sheryl was fantastic! She is very supportive, and has a wealth of knowledge and experiance she is willing to share. Thanks again Sheryl!!!|
|I recently posted a question on short term rental in Irvine on Trulia. I saw Sheryl's thorough answer and decided to give her a call. Even though we never met or spoke before, she is willing to help me at no cost for updating me on the available rentals according to my criteria. I have immediately received tons of rental list to study from after I hung up the phone with her. I am thankful for making the call and couldn't be happier with Sheryl's helpful, immediate response.|
|Sheryl did an outstanding job in helping my client purchase a home with less than perfect credit and below-average FICO scores. Her hard work, knowledge and dedication truly shined through in our transaction; if it weren't for Sheryl my client would not have realized his dream of purchasing his home. She is also very responsive and communicative - two traits in a loan professional which are invaluable to me, as my reputation is only as good as the members on my team. I will continue to refer my credit-challenged clients to Sheryl for years to come - Thank you Sheryl!|
|DEBRA CHUBB, REALTOR®|
|I HIGHLY recommend Sheryl Arndt. I have found her to be extremely knowledgeable in the field. If you're a Buyer searching for creative financing Sheryl should be your first pick! If you're a Seller looking to refinance, please contact her. Either Buyer or Seller you won't be disappointed. She responds quickly and is up-to-date with the current lending programs! Thank you Sheryl for your continued expertise in helping my clients. You're always so quick to respond and I appreciate it. Having a great lender who follows-up and communicates is "Key" to my business as an agent. You're as good as Gold! Debra Chubb, Realtor Lemarc Investments|
|I strongly recommend Sheryl Arndt to anyone who needs help on Real Estates, Sheryl is a very knowledgeable at her profession and strives for the best for her clients. I have turned my loan to four different persons but Sheryl Arndt was the only one who was able to get my home refinancing done. My house was underwater, my credit scores were not the best either but she found a way to get it done for me. One thing I like about her was that she never left you behind with a question to wonder for two or three days; she will always answer your question regardless of what time of the day or night. If anyone needs help I am recommend contacting Sheryl Arndt. She is the right person for your needs.|
|Sheryl has extensive experience in real estate market, especially for finding the right mortgage product for your needs. She also gave me very practical suggestion for the local housing market of AV.|
|Sheryl is very knowledgeable, a very honest, upfront mortgage professional.|
Real Estate & Mortgage Broker providing ALL home loans available through out California. Loan programs from 500 fico scores. Credit repair can raise your fico scores within 3-4 days in most cases