Alicia Stearman at Empire Home Loans

08/20/2026

🏡 DPA ADVANTAGE

YOUR BUYER MAY QUALIFY EVEN IF THEIR INCOME IS OVER THE AMI LIMIT!

💰 2% OR 3.5% DOWN PAYMENT ASSISTANCE GRANT

There are multiple ways a borrower may be eligible for DPA Advantage.

👩‍🚒 OCCUPATION-BASED ELIGIBILITY

Any borrower on the loan application who is current, retired, volunteer/non-paid, OR planning to become:

🚒 FIRST RESPONDER
Police • Firefighter • Public Safety • Paramedic • EMT • Similar

🍎 EDUCATOR

🩺 MEDICAL PERSONNEL
Nurse • Doctor • Phlebotomist • Hospital Worker • American Red Cross Worker • Similar

🏛️ CIVIL SERVANT
Federal • State • Local Municipality

🇺🇸 MILITARY PERSONNEL

PLUS OTHER WAYS TO QUALIFY:

✓ Income at or below 140% of state or county median income

✓ Eligible First-Time Homebuyer

✓ Property located in an Underserved Census Tract

⭐ 620 MINIMUM QUALIFYING CREDIT SCORE

REALTORS: Don’t assume your buyer makes too much for down payment assistance!

Let’s check their eligibility before ruling DPA out.

Program eligibility and underwriting requirements apply. Guidelines, rates and fees are subject to change.

Www.aliciastearman.com
916-256-6486

With our online my1003 app, you can quickly and securely complete your loan application, check status of your loan and complete your tasks

08/20/2026

🏡 **THINK YOU NEED A HUGE DOWN PAYMENT TO BUY A HOME? THINK AGAIN!** 🔑

I have an FHA down payment assistance program that could help make homeownership a whole lot more attainable! 🙌

✨ **Program Highlights:**
🏠 **2% or 3.5% Down Payment Assistance GRANT**
💰 **No borrower repayment restrictions**
📊 Minimum qualifying credit score starting at **620**
🤝 Seller concessions of up to **6%** may be available toward eligible borrower-paid closing costs
🔨 Can even work with eligible **FHA 203(k) renovation loans**
🏡 Available for eligible primary-residence purchases, including certain manufactured homes, condos, PUDs, and 1–4 unit properties

And one of my favorite parts — the assistance is provided as a **GRANT**, not another monthly payment you have to add to your budget. 🎉

If you've been sitting on the sidelines because you thought you didn't have enough saved for a down payment, **PLEASE reach out before assuming you can't buy.**

You may be much closer to homeownership than you think. ❤️🏡

📩 **Comment “HOME” below or send me a private message and I'll help you see what you may qualify for!**

*Program eligibility and guidelines apply. Information and program availability are subject to change.*
916-256-6486 www.aliciastearman.com

08/20/2026

Grant available for first time homebuyers 916-256-6486

08/20/2026

08/18/2026

203k loans how do they work?

08/14/2026

🚨🏡 HUGE FREDDIE MAC MORTGAGE UPDATE! 🏡🚨

This could open the door for borrowers who have significant assets but not enough traditional monthly income to qualify.

Freddie Mac has revised and expanded its Asset Depletion Method, allowing eligible accumulated assets to potentially be converted into monthly qualifying income. 💰

🔥 The new calculation shown in Freddie Mac’s updated guidance is:

Eligible net assets ÷ 180 months = potential monthly qualifying income

For example:

💰 $900,000 in eligible net assets
➗ 180 months
= $5,000/month in potential qualifying income

Think about who this could help:

🏡 Retirees
🏡 Self-employed borrowers
🏡 Investors
🏡 People living primarily off their assets
🏡 Borrowers with substantial savings/investments but limited traditional income

And here’s the exciting part…

The Freddie Mac change is generally effective for settlement dates on or after February 3, 2027, BUT I currently have access to a Freddie Mac Agency Direct product implementing these changes now.

⚠️ Of course, not every asset automatically qualifies. There are specific eligibility, documentation, reserve, and loan requirements that have to be reviewed.

But if you’ve previously been told “you don’t have enough income to qualify” and you have substantial assets…

👉 LET’S RUN THE NUMBERS AGAIN.

You may have options you didn’t have before.

📩 Comment ASSETS or message me privately and I’ll take a look at your scenario.

🤠 Alicia the Mortgage Cowgirl
NMLS #337154

All loans subject to underwriting approval and applicable program guidelines. This is not a commitment to lend.

08/12/2026

🏡💰 I SAVED ONE OF MY CLIENTS $2,500 A MONTH TODAY! 💰🏡

And we didn’t have to touch their first mortgage. 🙌

We used a second mortgage to consolidate their high-interest debt, and the result was a $2,500 reduction in their monthly payments.

That’s $30,000 a year back in their monthly cash flow. 🤯

With credit cards, personal loans, and other debt carrying such high interest rates right now, your home equity may be able to help you get some breathing room — without refinancing your existing first mortgage.

If you’re a homeowner carrying a lot of monthly debt, let me run the numbers for you. You might be surprised at what we can accomplish.

🐴 Alicia the Mortgage Cowgirl
🏡 Helping homeowners make their mortgage work for them.

📲 Message me and let’s see what your numbers look like!

Loan programs, rates, terms, and qualification requirements vary. This is not a commitment to lend. Individual results will vary. 916-256-6486
Apply at www.aliciastearman.com

08/07/2026

🏡 NEVADA COUNTY HOMEBUYERS — DOWN PAYMENT HELP IS AVAILABLE! 🔑💰

If the down payment or closing costs are the thing keeping you from buying a home, there may be more options than you realize!

✨ Nevada County Down Payment Assistance
Nevada County now has a program designed to help eligible moderate-income residents with the upfront costs of purchasing a home. Applicants must meet program requirements, obtain a lender pre-approval, and complete the County’s required orientation.

🏠 CalHFA Down Payment Assistance
California also offers programs for eligible first-time homebuyers, including CalHFA MyHome, which can provide assistance toward your down payment and/or closing costs.

💡 You don’t have to have 20% down to buy a home.

Every buyer’s situation is different — income, credit, purchase price, location and household size can all affect which programs you may qualify for.

🐴 Alicia the Mortgage Cowgirl
Message me and let’s run the numbers. I can help you figure out what programs may be available and what it would actually take to get you into a home. 🏡❤️

📲 Nevada County friends — SHARE this! Someone you know may be closer to homeownership than they think.

07/27/2026

🏡 See the potential—not just the projects!

Found a home you love, but it needs repairs, updates, or a complete makeover? An FHA 203(k) renovation loan may allow you to finance the purchase of the home and eligible improvements in one mortgage.

It could help with projects such as:

✨ Kitchen and bathroom renovations
✨ Roofing, windows, flooring, and paint
✨ Heating and air-conditioning upgrades
✨ Accessibility and safety improvements
✨ Structural repairs with the Standard 203(k) option
✨ Certain eligible ADU improvements

Instead of passing on a fixer-upper, let’s explore whether you can turn it into the home you’ve been imagining.

📲 Call or text me at (916) 256-6486
📧 [email protected]
🌐 www.aliciastearman.com

Alicia Stearman
The Mortgage Cowgirl
Empire Home Loans
Loan Officer | NMLS #337154

Not a commitment to lend. Subject to borrower qualification, credit approval, appraisal, property eligibility, FHA loan limits, and program guidelines. Equal Housing Opportunity.