Loan Programs
Loan Programs
Loan Programs CAL VET and V.A. Loans Loan Benefits
Loan Programs Top of Page
We work with; Realtors, buyers, sellers and contractors.
We make loans on; single family homes, units, manufactured & mobile homes and commercial property.
We have properties available for real estate investors who want to hold FIRST or SECOND Trust Deeds. These INVESTMENTS can be on single family homes, manufactured & mobile homes, construction loans (it can include a take loan or not), investment property or commercial property.
Loan amounts can vary from as little as $10,000 to as high as the investor/Lender is willing to go.
We have loan programs for clients with all kinds of credit A-D.
We have programs for clients with little OR no down payment.
We have loan programs for clients that have a recently released a bankruptcy.
We have programs for those who MAY get **behind on their mortgage.
We work with NEIHAMIA, Chico Housing Authority, CHAFA, Rural Gold and others. (There may be programs we are not aware of, so please bring them to our attention.)
** These situations vary, so they are case by case. Timing is a big factor and long one is behind on payments.
CAL VET and V.A. Loans Top of Page
Loans to purchase
Cal Vet's Rehab loan program for properties that need work
Cal Vet Home Improvement Loan up to $50,000
Use your Cal Vet loan again with the Subsequent Loan Program
V.A. Loan programs can go up to 100%
V.A. has loans for REFINANCING
Loan Benefits Top of Page
Some of our programs can help you with LOWERING your monthly payment on your existing mortgage.
Consolidate debt
Help you with a remodel, addition or redecorate your existing home.
We can pre-qualify you and can offer a 'pre-qualifying letter' when necessary. (Before or after you've found a home.)
We can also get you pre-approved and locked in at a particular rate as we finish on getting your loan conditions reviewed and signed off by the LENDER'S underwriter.
We can help you decide which way is most cost effective; refinancing or getting a home equity loan, or maybe it would be to sell and buy something 'smaller/less expensive'.
One of the MANY benefits of working with Butte Creek Mortgage is that YOU will have literally hundreds of loan programs to choose from.
Butte Creek Mortgage works with the 'wholesale' mortgage department. This enables us to have more flexibility in our pricing/costs to you.