CALIFORNIA BAD CREDIT MORTGAGE LENDERS LOAN PROGRAMS

CALIFORNIA BAD CREDIT  MORTGAGE LENDERS LOAN PROGRAMS


Bad Credit California Mortgage Borrowers With Recent Credit Issues
• Up to 90% LTV (purchase, R/T, and, debt consolidation)
• Credit scores as low as 500 (including jumbo loans)
• 1 day out of FC, SS, BK, or DIL
• Up to 85% LTV (cash-out)
• Loans up to $1 million (minimum loan $75,000) 
• Cash out for reserves OK
30 + 60 + 90 Day California Mortgage late payments are OK!
• DTI up to 50% considered
• Limited or no tradelines OK to max 75% LTV
• Bad Credit cash-out to $500,000

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CALIFORNIA BAD CREDIT CASH OUT MORTGAGE REFINANCE PROGRAMS   

CALIFORNIA CASH OUT MORTGAGE REFINANCE PROGRAMS   

  • Conventional cash-out refinance loans
  • FHA- cash-out refinance mortgage lenders
  • VA – cash-out refinance mortgage lenders
  • Private cash-out refinance mortgage lenders
  • Hard money- cash-out refinance mortgage lenders
  • Portfolio – cash-out refinance mortgage lenders

CALIFORNIA LOAN TO VALUE – CALIFORNIA CASH-OUT MORTGAGE LENDERS

  • 500+ Fico Rate and term California Bad credit  Cashout down to 65% of Appraisal
  • 540+ Fico Rate and term California Bad credit  Cashout down to 70% of Appraisal
  • 600+ Fico Rate and term California Bad credit  Cashout down to 75% of Appraisal
  • 640+ Fico Rate and term California Bad credit  Cashout down to 80% of Appraisal
  • 680+ Fico Rate and term California Bad credit  Cashout down to 80% of Appraisal
  • $1,500,000 = California Bad credit  Cash-out = Max Loan Amount

CALIFORNIA CALIFORNIA BAD CREDIT  CASHOUT – GENERAL INFORMATION

  • Loan Terms:
  • 5 year ARM, 7 year ARM or 30 Year Fixed Options
  • No Prepayment penalty ● Floor = Start rate
  • Caps are 2/2/5 (2% initial change cap/ 2% annual cap/ 5% lifetime cap)
  • All California Bad credit  loans require to impound for tax and insurance California home Types:
  • SFRs, condos, townhouses, 2-4 units (no rural properties < $200,000)
  • The California home must be clean and in better than average cond
  • The California home must show “pride of ownership” Debt to Income Ratio:
  • 55% Max back end ratio   

GENERAL BAD CREDIT California JUMBO MORTGAGE REQUIREMENTS
 Product Type – Jumbo Bad Credit California Mortgage Lenders
• 5/1 ARM – 30 YR Amortization • 30 – YR Fixed
Loan Amounts – Jumbo Bad Credit California Mortgage Lenders
• Maximum $10MM (exceptions case by case basis) • Minimum $150,000
Prepayment Penalty – Jumbo Bad Credit California Mortgage Lenders
Primary California homes = NO Prepayment penalty
Property Types- Jumbo Bad Credit California Mortgage Lenders
• All California Single Family; townhouses; condominiums; 2-4 units (rural Califonria homes properties are ineligible for investment)
Cash-Out –Jumbo Bad Credit California Mortgage Lenders 
Cash in hand or Amounts used to pay non-liens
• Up to $1,000,000
• Investment Properties Max LTV 75%
• $100,001 – $500,000 w/5% LTV reduction • $300,001 – $500,000 w/10% LTV reduction
• Califonia Investment Properties: Max $500,000 cash-out (additional 5% LTV reduction for loans > $200,000)
• Borrowers with recent mortgage lates, refer to guidelines • TX 50 (a) (6) loans allowed – Max 80% LTV
Debt Consolidation-Jumbo Bad Credit California Mortgage Lenders 
Payoff of non-mortgage & mortgage debts with <$2,000 or 2% of the loan amount back to the borrower will follow rate/term LTV’s
AppraisalsJumbo Bad Credit California Mortgage Lenders 
• Loan amounts ≥$1MM a borrower paid second appraisal must be obtained
Seller Concessions
• Up to 6% for Owner-Occupied & Second Homes • Up to 2% for Investment properties LOAN TO VALUE REQUIREMENTSJumbo Bad Credit California Mortgage Lenders 
• Min credit score 600 • Residential pay history 1x30x12 • Primary Residence Only • Purchase only
• Foreclosure, Deed-In-Lieu & Short Sale – >12 months • Bankruptcy Seasoning (Chapter 7) – >12 months • Maximum loan amount $750k
DOCUMENTATION REQUIRMENTSJumbo Bad Credit California Mortgage Lenders 
Assets
• Assets must be sourced or seasoned for 30 days • Gift funds allowed without secondary financing
Income
• Full Doc: Wage Earner: W-2, Paystubs, 2 years tax returns • Self-Employed: 2 years personal & 2 years business tax returns
COMPLIANCE
• Escrows required for taxes and insurance • No Section 32 or State high cost • Total points & fees must be < 5%
• Fully documented ability to repay • All loans must be in compliance with applicable Federal and State regulations
UNDERWRITING REQUIREMENTSJumbo Bad Credit California Mortgage Lenders 
Credit Score• Use middle FICO score of primary wage earner Housing History
• 30’s and 1 x 60 in the past 12 months allowed (No add-on to rate) • 1 or more 90 day late in the past 12 months allowed
Min Credit Score
• Owner Occupied: 500 • Non-Owner Occupied: 580 • Non-Perm Resident Aliens: 580
• Second Home: 580 • First Time Homebuyer: 540
Tradeline requirements for Jumbo bad credit mortgage lenders.
Requirements
• Standard: 3 trade lines reporting for ≥ 12 month; or 2 trade lines reporting for ≥ 24 months with activity in the past 12 months
• 12 to 24 months canceled rent checks can be used as a trade line Limited Tradelines.
• Max LTV 75% • No minimum trade line requirements • Not allowed on Investment properties
DTI Requirements
• Max 40/50% • Investment properties max 50%
Seasoning
Requirements
• Foreclosure, Deed-In-Lieu & Short Sale – None
• Bankruptcy 7 – 12 months
from discharge date
• Bankruptcy 7: None when property excluded from
BK and a 0 x 30 x 12 residential pay history
• Bankruptcy 13: None if filed >24
months ago and paid as agreed
• All BK’s must be discharged (case by case exceptions)
ReservesJumbo Bad Credit California Mortgage Lenders 
• 3 months minimum • Investment properties – 6 months
• Loan amounts ≥ $453,100 – 6 months • Loans ≥ $750,000 – 9 months
• Second Home – 6 months • First Time Homebuyer – 6 months
• Limited trade lines – 6 months • Non-Perm Resident Aliens – 6 months
• Non-Perm Resident Alien with non-US credit – 12 months
Residual Income
• Primary Residence $1,500
First-Time Homebuyer
• Residential pay history 0x30
California Bad Credit  Mortgage Lenders – 
are structured to guide it’s towards making common sense California Bad credit mortgage lending decisions on California Bad credit mortgage applicants who may have limited access to credit. These California Bad credit mortgages refinance applicants’ situations generally require the underwriter to consider alternative forms of documenting income and/or compensating factors which offset risk indicated by a recent credit event or elevated debt-to-income ratio. The California Bad credit mortgage refinance applicants’ ability to repay must be proven in all instances. California Bad Credit Mortgage Lenders requires an AUS finding reflecting “Approve/ineligible” or “Refer with Caution” to qualify for this product. California Bad credit Mortgage lenders has a zero-tolerance policy as it relates to fraud. California Bad credit  Mortgage lenders follow the current established fraud and identity procedures on every loan in an effort to prevent and detect fraud(including, but not limited to, Social Security number verification, verbal verifications of employment, processing of 4506-T, etc.) Loans containing fraudulent documentation or information will immediately be declined and forwarded for further review. If there is any determination of originator involvement, the originator will be made inactive and the appropriate agencies notified. California Bad credit  Mortgage lenders Mortgage will also pursue California Bad credit mortgage refinance applicants fraud to the fullest extent of the law.

CALIFORNIA BAD CREDIT MORTGAGE LENDERS LOAN PROGRAMS

Fully Amortizing California Bad credit  mortgage lenders

o Qualifying Ratios are based on PITIA payment with the principal and interest payments amortized over the loan term

o 5/1 LIBOR: (2/2/5 Cap Structure) Qualifying Rate (All Doc Types): Qualify California Bad credit mortgage refinance applicants (s) at the greater of the Fully-Indexed Rate or Note Rate.

o 7/1 LIBOR: (5/2/5 Cap Structure) Qualifying rate (All Doc Types): qualify California Bad credit mortgage refinance applicants (s) at the greater of the Fully-Indexed Rate or Note Rate.

o 15 Year Fixed

o 30 Year Fixed

ABILITY TO REPAY/CALIFORNIA BAD CREDIT  MORTGAGE LENDERS QUALIFYING RULES
California Bad credit  Mortgage Lenders will only allow loans under the Just Missed Agency or Expanded Owner-Occupied and Second Homes Programs that meet the CFPB’s requirements under its Ability-to-Repay (mortgage applicants ability to repay) / Qualified California Bad credit  Mortgage Lenders Rules, including loans that meet the general mortgage applicants ability to repay requirements and certain higher-priced qualified mortgage loans with rebuttable presumption liability protection, as prescribed by the applicable regulation. Each loan delivered for purchase must include a completed mortgage applicants ability to repay California Bad credit  mortgage refinance applicants Confirmation form, available in the forms section of the system. See EXHIBIT C: Ability-To-Repay California Bad credit mortgage refinance applicants Confirmation for an example in the exhibits section of this guide.

CALIFORNIA BAD CREDIT MORTGAGE LENDERS UNDERWRITING – The Underwriter is required to perform a manual underwrite of the credit file and document the file based upon the criteria contained in this manual. Unless otherwise stated, Fannie Mae definitions, documentation and underwriting guidelines prevail and should be followed.

LOAN AMOUNTS FOR CALIFORNIA BAD CREDIT –

Expanded Owner-Occupied and Second Homes

Minimum: $100,000 Maximum: $10,000,000 (2 appraisals required, and LTV reductions apply for loan amounts above$1.5MM)

Just Missed Agency Minimum: $150,000 Maximum: $10,000,000 (2 appraisals required, and LTV reductions apply for loan amounts above $1.5MM)

MINIMUM FICO CREDIT SCORE FOR CALIFORNIA BAD CREDIT  MORTGAGE APPLICANTS

EXPANDED OWNER-OCCUPIED AND SECOND HOMES – 500 California Bad credit  mortgage lenders.

JUST MISSED AGENCY – 500 California Bad credit  mortgage lenders.

MAXIMUM LTV/CLTV FOR CALIFORNIA BAD CREDIT  MORTGAGE APPLICANTS-

95 / 90

See California Bad credit  Mortgage Lenders Programs for LTV/CLTV maximum by documentation type.

(SELLER CONCESSIONS)INTERESTED PARTY CONTRIBUTIONS- CALIFORNIA BAD CREDIT  MORTGAGE LENDERS
LTV equal to or greater than 85%: max 4%

LTV less than 75%: max 6%
All Interested Party Contributions must be properly disclosed in the sales contract, appraisal, loan estimate and

closing disclosure and be compliant with applicable federal, state and local law. Interested party contributions include funds contributed by the property seller, builder, real estate agent/broker, mortgage lender, or their affiliates, or any other party with an interest in the real estate transaction. Interested party contributions may only be used for closing costs and prepaid expenses (Financing Concessions) and may never be applied to any portion of the down payment or contributed to the California Bad credit mortgage refinance applicants’ financial reserve requirements. If an Interested Party Contribution is present, both the appraised value and sales price must be reduced by the concession amount that exceeds the limits referenced above.

ESCROWS – CALIFORNIA BAD CREDIT  MORTGAGE LENDERS IMPOUND ACCOUNTS

Escrow funds/impound accounts are required to be established for all loans. Escrows may be established for funds

collected by the lender, originator or servicer as required to be paid under the security instrument. Escrow funds

include, but are not limited to, taxes, insurance (hazard, flood, and mortgage) premiums, special assessments, ground

rents, water, sewer, etc. Impounds may be waived for any loans that do not exceed HPML threshold, below or equal

to 80% LTV/CLTV.

SECONDARY CALIFORNIA BAD CREDIT   MORTGAGE LENDERS
Secondary financing must be institutional. Underwriters must employ reasonable underwriting decision to determine

whether the California Bad credit mortgage refinance applicants has applied for another credit transaction secured by the same dwelling. Existing secondary

financing must be subordinated and recorded or refinanced. HELOC CLTV must be calculated at the maximum

available line amount unless the California Bad credit mortgage refinance applicants can provide documentation the line of credit is past its draw period.

ALLOWABLE AGE FOR CALIFORNIA BAD CREDIT  MORTGAGE LENDERS CREDIT DOCUMENTS
Underwriting and California Bad credit mortgage refinance applicants credit documents may not be more than 90 days seasoned at the Note Date.

The Appraisal should be dated no more than 180 days prior to the Note Date.

CALIFORNIA BAD CREDIT MORTGAGE APPLICANTS STATEMENT OF OCCUPANCY
California Bad credit mortgage refinance applicants must acknowledge the intended purpose of the subject property (“Primary Residence” or “Second Home”) by completing and signing the appropriate sections of the “Occupancy Certification” found in EXHIBIT A of this guide.

AUTOMATIC PAYMENT AUTHORIZATION (ACH)

It is recommended that the California Bad credit mortgage refinance applicants execute an assignable Automatic Debit Payment Agreement (ACH) Form. The ACH form should include the bank routing number, account number, and type of account, similar to Exhibit B.An executed Automatic Debit Payment Agreement (ACH), from a U.S. Bank, is required for transactions involving a Foreign National.

ASSUMABILITY FOR CALIFORNIA BAD CREDIT  MORTGAGES

Fixed Rate Notes – Are not assumable.

Adjustable Rate Notes – May be assumably based upon the note, in general, Fannie Mae Notes contain an assumable

clause. In any case, the verbiage in the Note and Closing Disclosure must match.

CALIFORNIA CASHOUT COVERAGE AREAS

Lake Wildwood CA Bad Credit Jumbo MORTGAGE LENDERS Bret Harte CA Bad Credit Jumbo MORTGAGE LENDERS Myrtletown CA Bad Credit Jumbo MORTGAGE LENDERS Santa Venetia CA Bad Credit Jumbo MORTGAGE LENDERS Twin Lakes CA Bad Credit Jumbo MORTGAGE LENDERS La Habra Heights CA Bad Credit Jumbo MORTGAGE LENDERS Elverta CA Bad Credit Jumbo MORTGAGE LENDERS Old Fig Garden CA Bad Credit Jumbo MORTGAGE LENDERS Woodside CA Bad Credit Jumbo MORTGAGE LENDERS Rancho Murieta CA Bad Credit Jumbo MORTGAGE LENDERS Solvang CA Bad Credit Jumbo MORTGAGE LENDERS Fruitridge Pocket CA Bad Credit Jumbo MORTGAGE LENDERS Eucalyptus Hills CA Bad Credit Jumbo MORTGAGE LENDERS Kensington CA Bad Credit Jumbo MORTGAGE LENDERS Hidden Valley Lake CA Bad Credit Jumbo MORTGAGE LENDERS Jamul CA Bad Credit Jumbo MORTGAGE LENDERS Durham CA Bad Credit Jumbo MORTGAGE LENDERS Mayflower Village CA Bad Credit Jumbo MORTGAGE LENDERS Las Flores CDP CA Bad Credit Jumbo MORTGAGE LENDERS Gustine CA Bad Credit Jumbo MORTGAGE LENDERS Strawberry CDP CA Bad Credit Jumbo MORTGAGE LENDERS El Cerrito CA Bad Credit Jumbo MORTGAGE LENDERS Palermo CA Bad Credit Jumbo MORTGAGE LENDERS Aptos CA Bad Credit Jumbo MORTGAGE LENDERS Roseland CA Bad Credit Jumbo MORTGAGE LENDERS Villa Park CA Bad Credit Jumbo MORTGAGE LENDERS Colusa CA Bad Credit Jumbo MORTGAGE LENDERS Lake Mathews CA Bad Credit Jumbo MORTGAGE LENDERS St. Helena CA Bad Credit Jumbo MORTGAGE LENDERS Willows CA Bad Credit Jumbo MORTGAGE LENDERS Fowler CA Bad Credit Jumbo MORTGAGE LENDERS El Granada CA Bad Credit Jumbo MORTGAGE LENDERS Pleasure Point CA Bad Credit Jumbo MORTGAGE LENDERS East Pasadena CA Bad Credit Jumbo MORTGAGE LENDERS Contra Costa Centre CA Bad Credit Jumbo MORTGAGE LENDERS Cambria CA Bad Credit Jumbo MORTGAGE LENDERS Saranap CA Bad Credit Jumbo MORTGAGE LENDERS Holtville CA Bad Credit Jumbo MORTGAGE LENDERS Garnet CA Bad Credit Jumbo MORTGAGE LENDERS East Foothills CA Bad Credit Jumbo MORTGAGE LENDERS Plumas Lake CA Bad Credit Jumbo MORTGAGE LENDERS East Porterville CA Bad Credit Jumbo MORTGAGE LENDERS Silver Lakes CA Bad Credit Jumbo MORTGAGE LENDERS Lemoore Station CA Bad Credit Jumbo MORTGAGE LENDERS Gridley CA Bad Credit Jumbo MORTGAGE LENDERS Ben Lomond CA Bad Credit Jumbo MORTGAGE LENDERS Lucas Valley-Marinwood CA Bad Credit Jumbo MORTGAGE LENDERS Homeland CA Bad Credit Jumbo MORTGAGE LENDERS Alta Sierra CA Bad Credit Jumbo MORTGAGE LENDERS Rancho Calaveras CA Bad Credit Jumbo MORTGAGE LENDERS Loomis CA Bad Credit Jumbo MORTGAGE LENDERS Interlaken CA Bad Credit Jumbo MORTGAGE LENDERS South Monrovia Island CA Bad Credit Jumbo MORTGAGE LENDERS Huron CA Bad Credit Jumbo MORTGAGE LENDERS Mira Monte CA Bad Credit Jumbo MORTGAGE LENDERS Kentfield CA Bad Credit Jumbo MORTGAGE LENDERS Desert Palms CA Bad Credit Jumbo MORTGAGE LENDERS Joshua Tree CA Bad Credit Jumbo MORTGAGE LENDERS University of California-Davis CA Bad Credit Jumbo MORTGAGE LENDERS Crescent City CA Bad Credit Jumbo MORTGAGE LENDERS Winters CA Bad Credit Jumbo MORTGAGE LENDERS Castroville CA Bad Credit Jumbo MORTGAGE LENDERS Pollock Pines CA Bad Credit Jumbo MORTGAGE LENDERS Thermalito CA Bad Credit Jumbo MORTGAGE LENDERS Thermalito CA Bad Credit Jumbo MORTGAGE LENDERS Ione CA Bad Credit Jumbo MORTGAGE LENDERS Ione CA Bad Credit Jumbo MORTGAGE LENDERS Sausalito CA Bad Credit Jumbo MORTGAGE LENDERS Atherton CA Bad Credit Jumbo MORTGAGE LENDERS Vandenberg Village CA Bad Credit Jumbo MORTGAGE LENDERS Boyes Hot Springs CA Bad Credit Jumbo MORTGAGE LENDERS Hughson CA Bad Credit Jumbo MORTGAGE LENDERS Acton CA Bad Credit Jumbo MORTGAGE LENDERS Ladera Heights CA Bad Credit Jumbo MORTGAGE LENDERS Oroville East CA Bad Credit Jumbo MORTGAGE LENDERS San Martin CA Bad Credit Jumbo MORTGAGE LENDERS Guadalupe CA Bad Credit Jumbo MORTGAGE LENDERS Fort Bragg CA Bad Credit Jumbo MORTGAGE LENDERS Keyes CA Bad Credit Jumbo MORTGAGE LENDERS Bermuda Dunes CA Bad Credit Jumbo MORTGAGE LENDERS Escalon CA Bad Credit Jumbo MORTGAGE LENDERS El Rio CA Bad Credit Jumbo MORTGAGE LENDERS Cotati CA Bad Credit Jumbo MORTGAGE LENDERS Cherry Valley CA Bad Credit Jumbo MORTGAGE LENDERS Orland CA Bad Credit Jumbo MORTGAGE LENDERS Calipatria CA Bad Credit Jumbo MORTGAGE LENDERS Templeton CA Bad Credit Jumbo MORTGAGE LENDERS Corning CA Bad Credit Jumbo MORTGAGE LENDERS Woodlake CA Bad Credit Jumbo MORTGAGE LENDERS Fairfax CA Bad Credit Jumbo MORTGAGE LENDERS Yreka CA Bad Credit Jumbo MORTGAGE LENDERS Ojai CA Bad Credit Jumbo MORTGAGE LENDERS Franklin CDP CA Bad Credit Jumbo MORTGAGE LENDERS Sebastopol CA Bad Credit Jumbo MORTGAGE LENDERS Nuevo CA Bad Credit Jumbo MORTGAGE LENDERS Gold River CA Bad Credit Jumbo MORTGAGE LENDERS Spring Valley Lake CA Bad Credit Jumbo MORTGAGE LENDERS Orosi CA Bad Credit Jumbo MORTGAGE LENDERS August CA Bad Credit Jumbo MORTGAGE LENDERS Topanga CA Bad Credit Jumbo MORTGAGE LENDERS Thousand Palms CA Bad Credit Jumbo MORTGAGE LENDERS Camp Pendleton North CA Bad Credit Jumbo MORTGAGE LENDERS West Athens CA Bad Credit Jumbo MORTGAGE LENDERS Pismo Beach CA Bad Credit Jumbo MORTGAGE LENDERS Mammoth Lakes CA Bad Credit Jumbo MORTGAGE LENDERS Rio Vista CA Bad Credit Jumbo MORTGAGE LENDERS Alondra Park CA Bad Credit Jumbo MORTGAGE LENDERS Firebaugh CA Bad Credit Jumbo MORTGAGE LENDERS Rolling Hills Estates CA Bad Credit Jumbo MORTGAGE LENDERS Oceano CA Bad Credit Jumbo MORTGAGE LENDERS Los Altos Hills CA Bad Credit Jumbo MORTGAGE LENDERS Calimesa CA Bad Credit Jumbo MORTGAGE LENDERS Gonzales CA Bad Credit Jumbo MORTGAGE LENDERS Bonadelle Ranchos-Madera Ranchos CA Bad Credit Jumbo MORTGAGE LENDERS Westlake Village CA Bad Credit Jumbo MORTGAGE LENDERS Live Oak CA Bad Credit Jumbo MORTGAGE LENDERS Earlimart CA Bad Credit Jumbo MORTGAGE LENDERS Waterford CA Bad Credit Jumbo MORTGAGE LENDERS South San Gabriel CA Bad Credit Jumbo MORTGAGE LENDERS Cloverdale CA Bad Credit Jumbo MORTGAGE LENDERS Mecca CA Bad Credit Jumbo MORTGAGE LENDERS Crestline CA Bad Credit Jumbo MORTGAGE LENDERS Golden Hills CA Bad Credit Jumbo MORTGAGE LENDERS Taft CA Bad Credit Jumbo MORTGAGE LENDERS Tiburon CA Bad Credit Jumbo MORTGAGE LENDERS Montecito CA Bad Credit Jumbo MORTGAGE LENDERS Midway City CA Bad Credit Jumbo MORTGAGE LENDERS Larkfield-Wikiup CA Bad Credit Jumbo MORTGAGE LENDERS Fort Irwin CA Bad Credit Jumbo MORTGAGE LENDERS Charter Oak CA Bad Credit Jumbo MORTGAGE LENDERS Blackhawk CA Bad Credit Jumbo MORTGAGE LENDERS Good Hope CA Bad Credit Jumbo MORTGAGE LENDERS Orange Cove CA Bad Credit Jumbo MORTGAGE LENDERS Country Club CA Bad Credit Jumbo MORTGAGE LENDERS Corte Madera CA Bad Credit Jumbo MORTGAGE LENDERS Rio del Mar CA Bad Credit Jumbo MORTGAGE LENDERS Marina del Rey CA Bad Credit Jumbo MORTGAGE LENDERS Valley Center CA Bad Credit Jumbo MORTGAGE LENDERS Rodeo CA Bad Credit Jumbo MORTGAGE LENDERS Mentone CA Bad Credit Jumbo MORTGAGE LENDERS Oak Hills CA Bad Credit Jumbo MORTGAGE LENDERS Capitola CA Bad Credit Jumbo MORTGAGE LENDERS Shasta Lake CA Bad Credit Jumbo MORTGAGE LENDERS Anderson CA Bad Credit Jumbo MORTGAGE LENDERS Quartz Hill CA Bad Credit Jumbo MORTGAGE LENDERS Madera Acres CA Bad Credit Jumbo MORTGAGE LENDERS East Whittier CA Bad Credit Jumbo MORTGAGE LENDERS Exeter CA Bad Credit Jumbo MORTGAGE LENDERS Morro Bay CA Bad Credit Jumbo MORTGAGE LENDERS Placerville CA Bad Credit Jumbo MORTGAGE LENDERS San Diego Country Estates CA Bad Credit Jumbo MORTGAGE LENDERS La Riviera CA Bad Credit Jumbo MORTGAGE LENDERS Tamalpais-Homestead Valley CA Bad Credit Jumbo MORTGAGE LENDERS Farmersville CA Bad Credit Jumbo MORTGAGE LENDERS Del Aire CA Bad Credit Jumbo MORTGAGE LENDERS Fairview CA Bad Credit Jumbo MORTGAGE LENDERS Newman CA Bad Credit Jumbo MORTGAGE LENDERS Soquel CA Bad Credit Jumbo MORTGAGE LENDERS Rossmoor CA Bad Credit Jumbo MORTGAGE LENDERS Sonoma CA Bad Credit Jumbo MORTGAGE LENDERS Delhi CA Bad Credit Jumbo MORTGAGE LENDERS Canyon Lake CA Bad Credit Jumbo MORTGAGE LENDERS Sierra Madre CA Bad Credit Jumbo MORTGAGE LENDERS Emeryville CA Bad Credit Jumbo MORTGAGE LENDERS Piedmont CA Bad Credit Jumbo MORTGAGE LENDERS Garden Acres CA Bad Credit Jumbo MORTGAGE LENDERS Lake Arrowhead CA Bad Credit Jumbo MORTGAGE LENDERS Winton CA Bad Credit Jumbo MORTGAGE LENDERS Hillsborough CA Bad Credit Jumbo MORTGAGE LENDERS Home Gardens CA Bad Credit Jumbo MORTGAGE LENDERS Mendota CA Bad Credit Jumbo MORTGAGE LENDERS Signal Hill CA Bad Credit Jumbo MORTGAGE LENDERS Los Angeles CA Bad Credit Jumbo MORTGAGE LENDERS Healdsburg CA Bad Credit Jumbo MORTGAGE LENDERS View Park-Windsor Hills CA Bad Credit Jumbo MORTGAGE LENDERS Clayton CA Bad Credit Jumbo MORTGAGE LENDERS Los Alamitos CA Bad Credit Jumbo MORTGAGE LENDERS Lakeland Village CA Bad Credit Jumbo MORTGAGE LENDERS Kingsburg CA Bad Credit Jumbo MORTGAGE LENDERS Citrus CA Bad Credit Jumbo MORTGAGE LENDERS Scotts Valley CA Bad Credit Jumbo MORTGAGE LENDERS Magalia CA Bad Credit Jumbo MORTGAGE LENDERS Alum Rock CA Bad Credit Jumbo MORTGAGE LENDERS Fortuna CA Bad Credit Jumbo MORTGAGE LENDERS Diamond Springs CA Bad Credit Jumbo MORTGAGE LENDERS Sun Village CA Bad Credit Jumbo MORTGAGE LENDERS Marysville CA Bad Credit Jumbo MORTGAGE LENDERS Larkspur CA Bad Credit Jumbo MORTGAGE LENDERS Half Moon Bay CA Bad Credit Jumbo MORTGAGE LENDERS Grand Terrace CA Bad Credit Jumbo MORTGAGE LENDERS Camp Pendleton South CA Bad Credit Jumbo MORTGAGE LENDERS San Anselmo CA Bad Credit Jumbo MORTGAGE LENDERS Malibu CA Bad Credit Jumbo MORTGAGE LENDERS Grass Valley CA Bad Credit Jumbo MORTGAGE LENDERS Bonita CA Bad Credit Jumbo MORTGAGE LENDERS El Sobrante CA Bad Credit Jumbo MORTGAGE LENDERS Commerce CA Bad Credit Jumbo MORTGAGE LENDERS Muscoy CA Bad Credit Jumbo MORTGAGE LENDERS Lindsay CA Bad Credit Jumbo MORTGAGE LENDERS Tehachapi CA Bad Credit Jumbo MORTGAGE LENDERS Solana Beach CA Bad Credit Jumbo MORTGAGE LENDERS San Marino CA Bad Credit Jumbo MORTGAGE LENDERS California City CA Bad Credit Jumbo MORTGAGE LENDERS McFarland CA Bad Credit Jumbo MORTGAGE LENDERS Grover Beach CA Bad Credit Jumbo MORTGAGE LENDERS King City CA Bad Credit Jumbo MORTGAGE LENDERS Carpinteria CA Bad Credit Jumbo MORTGAGE LENDERS Lemon Hill CA Bad Credit Jumbo MORTGAGE LENDERS Palos Verdes Estates CA Bad Credit Jumbo MORTGAGE LENDERS Avenal CA Bad Credit Jumbo MORTGAGE LENDERS North Auburn CA Bad Credit Jumbo MORTGAGE LENDERS Livingston CA Bad Credit Jumbo MORTGAGE LENDERS Olivehurst CA Bad Credit Jumbo MORTGAGE LENDERS Auburn CA Bad Credit Jumbo MORTGAGE LENDERS Big Bear City CA Bad Credit Jumbo MORTGAGE LENDERS Salida CA Bad Credit Jumbo MORTGAGE LENDERS Mountain House CA Bad Credit Jumbo MORTGAGE LENDERS Red Bluff CA Bad Credit Jumbo MORTGAGE LENDERS Mill Valley CA Bad Credit Jumbo MORTGAGE LENDERS Kerman CA Bad Credit Jumbo MORTGAGE LENDERS Hawaiian Gardens CA Bad Credit Jumbo MORTGAGE LENDERS Phelan CA Bad Credit Jumbo MORTGAGE LENDERS Discovery Bay CA Bad Credit Jumbo MORTGAGE LENDERS Coto de Caza CA Bad Credit Jumbo MORTGAGE LENDERS Oak Park CA Bad Credit Jumbo MORTGAGE LENDERS Stanford CA Bad Credit Jumbo MORTGAGE LENDERS Rio Linda CA Bad Credit Jumbo MORTGAGE LENDERS Parlier CA Bad Credit Jumbo MORTGAGE LENDERS Ripon CA Bad Credit Jumbo MORTGAGE LENDERS Cherryland CA Bad Credit Jumbo MORTGAGE LENDERS Clearlake CA Bad Credit Jumbo MORTGAGE LENDERS North Fair Oaks CA Bad Credit Jumbo MORTGAGE LENDERS Alpine CA Bad Credit Jumbo MORTGAGE LENDERS El Sobrante CDP CA Bad Credit Jumbo MORTGAGE LENDERS Fillmore CA Bad Credit Jumbo MORTGAGE LENDERS Lamont CA Bad Credit Jumbo MORTGAGE LENDERS Pacific Grove CA Bad Credit Jumbo MORTGAGE LENDERS Susanville CA Bad Credit Jumbo MORTGAGE LENDERS Los Osos CA Bad Credit Jumbo MORTGAGE LENDERS East San Gabriel CA Bad Credit Jumbo MORTGAGE LENDERS Walnut Park CA Bad Credit Jumbo MORTGAGE LENDERS Parkway CA Bad Credit Jumbo MORTGAGE LENDERS La Palma CA Bad Credit Jumbo MORTGAGE LENDERS Ukiah CA Bad Credit Jumbo MORTGAGE LENDERS East Rancho Dominguez CA Bad Credit Jumbo MORTGAGE LENDERS Alamo CA Bad Credit Jumbo MORTGAGE LENDERS Avocado Heights CA Bad Credit Jumbo MORTGAGE LENDERS Truckee CA Bad Credit Jumbo MORTGAGE LENDERS Valle Vista CA Bad Credit Jumbo MORTGAGE LENDERS Bostonia CA Bad Credit Jumbo MORTGAGE LENDERS Woodcrest CA Bad Credit Jumbo MORTGAGE LENDERS Laguna Woods CA Bad Credit Jumbo MORTGAGE LENDERS Vincent CA Bad Credit Jumbo MORTGAGE LENDERS Nipomo CA Bad Credit Jumbo MORTGAGE LENDERS Imperial CA Bad Credit Jumbo MORTGAGE LENDERS Coalinga CA Bad Credit Jumbo MORTGAGE LENDERS Artesia CA Bad Credit Jumbo MORTGAGE LENDERS El Segundo CA Bad Credit Jumbo MORTGAGE LENDERS McKinleyville CA Bad Credit Jumbo MORTGAGE LENDERS Moraga CA Bad Credit Jumbo MORTGAGE LENDERS Greenfield city CA Bad Credit Jumbo MORTGAGE LENDERS Rosedale CA Bad Credit Jumbo MORTGAGE LENDERS Santa Fe Springs CA Bad Credit Jumbo MORTGAGE LENDERS Live Oak CDP CA Bad Credit Jumbo MORTGAGE LENDERS Arcata CA Bad Credit Jumbo MORTGAGE LENDERS Shafter CA Bad Credit Jumbo MORTGAGE LENDERS Arroyo Grande CA Bad Credit Jumbo MORTGAGE LENDERS Rancho Mirage CA Bad Credit Jumbo MORTGAGE LENDERS Chowchilla CA Bad Credit Jumbo MORTGAGE LENDERS Linda CA Bad Credit Jumbo MORTGAGE LENDERS East Hemet CA Bad Credit Jumbo MORTGAGE LENDERS Oroville CA Bad Credit Jumbo MORTGAGE LENDERS Orinda CA Bad Credit Jumbo MORTGAGE LENDERS Pinole CA Bad Credit Jumbo MORTGAGE LENDERS Dixon CA Bad Credit Jumbo MORTGAGE LENDERS Albany CA Bad Credit Jumbo MORTGAGE LENDERS Mead Valley CA Bad Credit Jumbo MORTGAGE LENDERS Castaic CA Bad Credit Jumbo MORTGAGE LENDERS Prunedale CA Bad Credit Jumbo MORTGAGE LENDERS Rosamond CA Bad Credit Jumbo MORTGAGE LENDERS Blythe CA Bad Credit Jumbo MORTGAGE LENDERS Hermosa Beach CA Bad Credit Jumbo MORTGAGE LENDERS Stevenson Ranch CA Bad Credit Jumbo MORTGAGE LENDERS La Crescenta-Montrose CA Bad Credit Jumbo MORTGAGE LENDERS South San Jose Hills CA Bad Credit Jumbo MORTGAGE LENDERS Casa de Oro-Mount Helix CA Bad Credit Jumbo MORTGAGE LENDERS Cameron Park CA Bad Credit Jumbo MORTGAGE LENDERS Lathrop CA Bad Credit Jumbo MORTGAGE LENDERS American 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