Friday, September 22, 2017
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Phil Joseph
Branch Manager
Sr. Mortgage Loan Originator
Over 20 Years Experience
Sierra Pacific Mortgage
Rancho Bernardo Branch
11770 Bernardo Plaza Court #451
San Diego California 92128

Direct: 619.507.3558
Fax: 858.430.2557
Email: Phil@PhilJoseph.com
Website: www.PhilJoseph.com
NMLS# 249549
Branch NMLS# 279118
Company NMLS# 1788
 
Licensed in California by the Department  of Business
Oversight under the Residential Mortgage Lending Act 417-0015 
Not Licensed in the state of New York.
 
Sierra Pacific Mortgage may not be the lender for all products offered on this website. Some loans may be made by a lender with whom Sierra Pacific has a business relationship.


 
Phil Joseph
Branch Manager
Sr. Mortgage Loan Originator
Over 20 Years Experience
Sierra Pacific Mortgage
Rancho Bernardo Branch
11770 Bernardo Plaza Court #451
San Diego California 92128

Direct: 619.507.3558
Fax: 858.430.2557
Email: Phil@PhilJoseph.com
Website: www.PhilJoseph.com
NMLS# 249549
Branch NMLS# 279118
Company NMLS# 1788
 
Licensed in California by the Department  of Business
Oversight under the Residential Mortgage Lending Act 417-0015 
Not Licensed in the state of New York.
 
Sierra Pacific Mortgage may not be the lender for all products offered on this website. Some loans may be made by a lender with whom Sierra Pacific has a business relationship.


Down Payment

Low Down Payments and Mortgage Insurance
Mortgage insurance protects the mortgage company against financial loss if a homeowner stops making mortgage payments.

Down Payment Loans and Gifts
Loans and gifts can help with your down payment but you can not use this strategy for all loan programs. The most popular program for this tactic is the Federal Housing Administration or FHA.

Down Payment Grants That Are Never Repaid By the Homebuyer
There are national non-profit organizations dedicated to assisting homebuyers with their down payment and closing costs.

Qualifying for a Low Down Payment Loan
Learn about what you need to be considered for a low down payment loan.

Down Payment Assistance
Many local and state agencies run bond programs to generate funds to help individuals and families with a down payment.

State Housing and Finance Authorities
View a list of all state housing and finance authorities