This document provides information about three home buyer assistance programs in California: the CHF Platinum Home Buyer Grant, the CalHFA CHDAP program, and the Fannie Mae HomePath program. It summarizes the key benefits and limitations of each program, such as down payment and closing cost assistance amounts, income limits, purchase price limits, and other program requirements. Contact information is provided for the presenter's mortgage lender who specializes in various buyer assistance programs in California.

1. Welcome, You’re Early! We’ll Get Started in a Moment

2. 3 Buyer Assistance Programs you can use Today!

3. Questions & Answers Get Answers – Questions Box Assistance Experts Standing By Interactive Environment There are no dumb questions! Write this number down in case of technical difficulty 1-866-667-6724

4. Tax Credit is Gone Down Payment Assistance Closing Cost Assistance Assistance don’t pay back Guaranteed Seller Concessions Assistance you can use NOW

5. Catch of the Day CHF Platinum Grant CalHFA CHDAP Assistance Fannie Mae HomePath Reliable Home Buyer Assistance

6. Broadview Mortgage – Expertise

7. www.HomeownershipUniversity.com

8. 1 CHF Grant

9. CHF Platinum Home Buyer Grant FREE Money for Home Buyers!

10. CHF Platinum Grant Goodies 3% of Loan Amount No lien, No Payment, Grant Can Be Used for Down or Costs Never paid back

11. Who Qualifies for Grant Money? Home Buyers in California No FTHB Requirement Must be Owner Occupied Government Loans Only

12. Grant Money Program Restrictions Must Use Approved Lender Must Use Approved 1st Mortgage Income Limit Restrictions Purchase Price Restrictions

13. Important Limitations County Income Limits Varies by County Purchase Price Limits All Counties$417,000

14. 2 CalHFA CHDAP

15. California Housing Finance Agency Official State of CA FTHB Program

16. CalHFA CHDAP Awesomesauce 3% of Purchase Price – Low % No Payments for life of loan Can Be Used for Down or Costs Can be used w/ most programs Only Requires 1% From Buyer!

17. CalHFA CHDAP Restrictions Must Use Approved Lender Income Limit Restrictions Purchase Price Restrictions Must be FTHB – 36 Months Delays Possible When Busy 30 Day Escrow Should Be OK

18. Important Limitations County Income Limits Varies by County Purchase Price Limits See follow up email for links Income for Families 1-8 Members

19. 3 Fannie HomePath

20. HomePath Buyer Assistance Special Incentives on Fannie REO

21. HomePath Hype 3.5% Assistance until Oct. 31st 3% Down | No PMI Option* No Appraisal | No Condo Cert $1,200 Bonus to Agent http://www.homepath.com/incentive/index.html

22. Reduced Competition FirstLook Buyer Exclusivity 15 Days After that…Investors Welcome! Special Incentives on Fannie REO

23. 10,576 Homes in California

26. Costs of Assistance Programs CHFRates slightly higher CHDAP can cause delays CalHFA recapture tax - 1st TD HomePath no inspections bad? HomePath no PMI expensive Nobody likes Surprises

28. Expect character, communication and expertise

29. Home buying team will educate & inform

30. Avoid pressure tactics & implied urgency

33. Would like the opportunity to be your lender if you have not already chosen one

34. We are more than happy to be your “second opinion” if you are already working with someone