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Short Sales & Foreclosures



REALTORS® with the SFR 
certification are a trusted
resource for short sales
and foreclosures.
Providing Homeowners with
Pre-Foreclosure Options,
Helping Buyers Pursue
Short Sale & Foreclosure Opportunities.
The SFR certification is the only
short sale & foreclosure
designation recognized by the 
National Association of REALTORS.



Government Loan Quick FAQs

VA Home Loans
– Veteran does require a certificate of eligibility
– VA does not have a maximum loan limit
– 100% financing is available
– VA limits veterans closing costs
– Closing costs may be paid by seller
– There is no Private Mortgage Insurance

12/3/2010 - Important NoticeVA Loan Limits for 2011 have now been posted. Please note the limits apply for loans closed January 1, 2011 through September 30, 2011. It's also important to note that VA has no maximum loan amount; however, loan limits are established to determine the maximum guaranty for a particular county. Click for more news. SOURCE: United States Department of Veterans Affairs

CalVet Home Loans
– Most veterans are eligible if you served on active duty for a minimum of 90 days
– Active duty members may use CalVet (Restrictions apply)
– No prepayment penalties
– Using CalVet can effect VA entitlement

Basic Allowance for Housing

FHA Home Loans
– Low down payments, as little as 3.5%
– Low closing costs
– Easy credit qualifying

CalHFA FHA Loan Program
- Borrower must be a first time homebuyer
- Must be purchasing a primary residence
- Down payment and closing cost assistance available


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