It only takes a few dozen questions to qualify and go over your options. Here are some links to study as well as web reference links to many loan program pages offered...
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
Do you have any relatives that could help you with 5%, in which case we have a 1st and 2nd program ,in house, for up the 85% loan to value (80/5/15)
Fee free to call me for further details (we do loans anywhere in CA)
Senior Loan Consultant
All California Mortgage
A Division of APMC
P: (415) 464-8261
C: (415) 378-7508
F: (415) 464-2367
NMLS 304353 - DRE 01380701
As one indicated, the only possibility I see is if you can secure a seller carry-back.........that said, you will also need a lender who will allow that with a CLTV of 90% which truthfully may be very difficult.
Good Luck and find a good CA broker to help you.
There are very few companies doing loans over 729K. The companies that I know want 20% down, however they may agree to 15%, provided the file is strong. You have good FICO, that is good. What about DTI? What above reserves? What about assets in IRA, 401K?. Can you get a gift ? Wage Earner or Self-employed?
Please ponder over these and feel free to contact me.
Also, maybe the Seller will take a 2nd.
Call me if you want to discuss 310-741-7179