American Home Mortgage

Pamela Washburn
Loan Officer
American Home Mortgage
900 W Main Street
Susanville, CA 96130
Work Phone: 530-257-7157 ext. 22
Fax: 530-257-7171
Toll Free: 877 753-4200
Cell: 530 283-3120
Pamela.Washburn@americanhm.com
Mission Statement:
To provide comprehensive mortgage solutions to my customers with a high degree of trust, knowledge, respect and convenience.
Referral Request:
One of the greatest compliments I can receive from a satisfied customer is a referral.

Do you know anyone with a real estate lending need?

With nearly 2,000 loan products available, we can fulfill many needs!
California Housing Finance Agency (CalHFA) Programs

Great news, first-time homebuyers: You may qualify for 103% financing!

You have the ability to team these programs for a GRAND TOTAL of 103% financing now you can buy the home of your dreams!

A 100% CalHFA fixed-rate 30-year mortgage
A 3% Downpayment Assistance Program (CHDAP) loan

These programs are available for both low- and moderate-income borrowers for both new construction and resale loans in all 58 California counties.

The CHAP second mortgage is offered for 30 years at 7% simple interest, and the CHDAP for 3%. The CHAP loan is subordinate to the CalHFA first loan, making it a silent second. This means that all payments on the second mortgage are deferred until one of the following happens: the CalHFA first mortgage becomes due and payable; the first mortgage is paid in full or refinanced; or the property is sold.

The CHDAP subordinate loan may also be combined with certain non-CalHFA conventional or government first loans. CHDAP loans can not be combined with Extra Credit Teacher Programs.

All borrowers must be first-time homebuyers and must meet all standard CalHFA first mortgage eligibility requirements. Additional down payment programs may be used in some cases.

Contact me today for additional information!

0507140099-AHMLR

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California Housing Finance Agency CalHFA Programs

Pamela Washburn
Loan Officer
American Home Mortgage
900 W Main Street
Susanville, CA 96130
Work Phone: 530-257-7157 ext. 22
Fax: 530-257-7171
Toll Free: 877 753-4200
Cell: 530 283-3120
Pamela.Washburn@americanhm.com
Mission Statement:
To provide comprehensive mortgage solutions to my customers with a high degree of trust, knowledge, respect and convenience.
Referral Request:
One of the greatest compliments I can receive from a satisfied customer is a referral.

Do you know anyone with a real estate lending need?

With nearly 2,000 loan products available, we can fulfill many needs!
California Housing Finance Agency (CalHFA) Programs

Great news, first-time homebuyers: You may qualify for 103% financing!

You have the ability to team these programs for a GRAND TOTAL of 103% financing now you can buy the home of your dreams!

A 100% CalHFA fixed-rate 30-year mortgage
A 3% Downpayment Assistance Program (CHDAP) loan

These programs are available for both low- and moderate-income borrowers for both new construction and resale loans in all 58 California counties.

The CHAP second mortgage is offered for 30 years at 7% simple interest, and the CHDAP for 3%. The CHAP loan is subordinate to the CalHFA first loan, making it a silent second. This means that all payments on the second mortgage are deferred until one of the following happens: the CalHFA first mortgage becomes due and payable; the first mortgage is paid in full or refinanced; or the property is sold.

The CHDAP subordinate loan may also be combined with certain non-CalHFA conventional or government first loans. CHDAP loans can not be combined with Extra Credit Teacher Programs.

All borrowers must be first-time homebuyers and must meet all standard CalHFA first mortgage eligibility requirements. Additional down payment programs may be used in some cases.

Contact me today for additional information!

0507140099-AHMLR

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