HMAC Team Cal Point Mortgage

03/25/2026

Happy Hump Day!! To all Realtors in all states. This new hot program is taking over and not leaving any potential buyers on the table. Dream Possible - Self-employed borrowers can purchase with 3 bank statements with only 3.5% down payment.

12/11/2025

Attention Realtors!
Great news — our new Dream Possible loan program is now available!

✔ 3.5% down payment
✔ Minimum Credit Score: 620
✔ Eligible for Self-Employed borrowers with just 3 months of bank statements
✔ W-2 and ITIN borrowers welcome
✔ Can work with previous credit challenges including BK, foreclosure, and income issues

If you have buyers who’ve been declined elsewhere, I may be able to help get them approved.
Message me for details or to run a scenario!

07/21/2025

DREAM POSSIBLE loan program self employed down payment 3.5%
ITIN, Work Permit Holders, Daca

07/21/2025

07/21/2025

DREAM POSSIBLE loan program!! ITIN, Permanent Residents, Work Permit Holders and Daca Beneficiaries. Down payment 3.5%

07/21/2025

New Niche Loan Program DREAM POSSIBLE. Down payment 3.5% one day out of Ch 7 BK.. Ch 13 BK must show 12 consecutive on time payments.

07/05/2025

🏡✨ Thinking about homeownership but concerned about the down payment?

Minimum Down Payments for Various Mortgage Types:

- Conventional Loan: Only 3% down to begin your home buying journey.
- Adjustable-Rate Loan: Just 5% down with flexible interest rates.
- FHA Loan: A low 3.5% down, ideal for first-time home buyers.
- VA Loan: No down payment required for veterans.
- USDA Loan: Zero down payment for eligible rural and suburban homebuyers.

Whether you’re buying for the first time or transitioning homes, we have options to suit your situation. Don't let the fear of a large down payment deter you from your dream home!

🏡✨ Thinking about homeownership but concerned about the down payment? Minimum Down Payments for Various Mortgage Types: - Conventional Loan: Onl

07/04/2025

5 Key Factors to Consider When Refinancing Your Mortgage 1. Thinking about refinancing your mortgage? Here are five essential factors to consider b

07/03/2025

Team Cal Point Wishing everyone a Happy 4th!!