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1% Down - NO PMI


-      Minimum Borrower Contribution:  1% of purchase price

-      Minimum Personal Liquidity: 1 month PITI

-      No income limit if the property is in a designated LOW or MODERATE census tract. To check:, click “Geocoding/Mapping System”, change the year to 2020, and enter the property address

-      Income limit of 140% of the area median income if the property is not in a designated census tract. For LA county $112,000 and Orange County $149,30

GROW: $647,200 for single unit and $828,700 for two units

DAISY:   $13,344 for one unit; $17,086 for two units

-      Available for 1-2 units and condos



-      Available in Los Angeles and Orange Counties in southern California, see rate sheet for a full list of participating counties

-      First Time Homebuyer definition:  The borrower cannot own another property at the time of the CLOSING. THAT MEANS...they can sell their current property to close concurrently

-     Maximum loan amount up to $647,200 for single unit and $828,700 for two units

Grow: $13,344 for one unit; $17,086 for two units

-      Available on purchase or rate/term refinance

-     Non-occupant co-borrowers allowed if they meet the income limits (call for details)

-     Can be used in conjunction with other DPA programs - Almost any Community 2nd Program and our 2% Secondary loan will go behind the other DPA programs.

-    45% DTI 



- Minimum FICO credit score is 660 for Tier One and 640 for Tier Two.

- Minimum 3 trade lines per borrower opened for at least 2 years. None need to be opened now. 

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Jonathan Caguioa

NMLS# 250609 / DRE# 01137630 Mobile: 949-241-2527

ALLIANZE MORTGAGE NMLS# 346138 / DRE# 01403147

15820 Whittier Blvd, Suite G
Whittier, CA 90603

Contact Me Today

Let's find you the right home at the right price.