Get a Head Start with Joseph Mendes!
I have the mortgage products to keep you
moving forward on the path to your first home!
Special Financing for First Time Home Buyers!
Mortgage Choices
I offer THREE different CalHFA mortgage loan choices for first time home buyers.
All these choices have low fixed interest rates that never change during the course of your loan.
30-Year Fixed Mortgage
gives you a low fixed interest rate and low payment for the entire 30-year term of the loan.
Interest Only PLUS SM
offers interest-only payments for the first five years of a 35-year term at the same fixed
interest rate for the life of the loan.
40-Year Fixed Mortgage
lowers your monthly mortgage payments to make buying your first home more affordable!
Down Payment Help
No down payment? No problem! CalHFA offers several different down payment financial
assistance programs. These funds can be used to make your down payment or cover your
closing costs. Payments on this type of loan are deferred, meaning you don’t have to pay it
back until you sell, refinance or pay in full.
HomeOpeners® *Mortgage Protection
HomeOpeners®, a Mortgage Protection Program, will cover your mortgage payment up to
$2,500 per month for as long as six months if you lose your job. The best part is, you pay
nothing extra for HomeOpeners and it automatically comes with most CalHFA-insured loans.
Find out if you qualify as a CalHFA First Time Home Buyer
Got questions?
I have the answers.
Call Joseph Mendes at
1.925.264.1503 or Email him at
real_estate@josephmendes.biz
Back to Loan Services
I have the mortgage products to keep you
moving forward on the path to your first home!
Special Financing for First Time Home Buyers!
Mortgage Choices
I offer THREE different CalHFA mortgage loan choices for first time home buyers.
All these choices have low fixed interest rates that never change during the course of your loan.
30-Year Fixed Mortgage
gives you a low fixed interest rate and low payment for the entire 30-year term of the loan.
Interest Only PLUS SM
offers interest-only payments for the first five years of a 35-year term at the same fixed
interest rate for the life of the loan.
40-Year Fixed Mortgage
lowers your monthly mortgage payments to make buying your first home more affordable!
Down Payment Help
No down payment? No problem! CalHFA offers several different down payment financial
assistance programs. These funds can be used to make your down payment or cover your
closing costs. Payments on this type of loan are deferred, meaning you don’t have to pay it
back until you sell, refinance or pay in full.
HomeOpeners® *Mortgage Protection
HomeOpeners®, a Mortgage Protection Program, will cover your mortgage payment up to
$2,500 per month for as long as six months if you lose your job. The best part is, you pay
nothing extra for HomeOpeners and it automatically comes with most CalHFA-insured loans.
Find out if you qualify as a CalHFA First Time Home Buyer
Got questions?
I have the answers.
Call Joseph Mendes at
1.925.264.1503 or Email him at
real_estate@josephmendes.biz
Back to Loan Services
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Joseph Mendes, MBA
Realtor and Mortgage Broker
Your Realtor and More
510-281-0501
Realtor and Mortgage Broker
Your Realtor and More
510-281-0501
®
®