Some counties have special loan programs availalbe that allow you to finance 100% of the purchase price if you qualify. 

You DO NOT ALWAYS NEED to be a First Time Home Buyer! 

These loans are available at attractive 30 year fixed rates and require NO Private Mortgage Insurance!  They are provided by the government, and have no maximum loan limit.  There is no pre-payment penalty if you pay the loan off early.

CALL ME to see if your county qualifies!   916-799-LOAN (799-5626)