Alfa Investments and Loans

DRE# 01856458 nmls#328663

161 Fashion Lane Ste 208

Tustin Ca 92780

Mortgage Loan Officer -  Joe Frank Cerros

DRE# 0135767 NMLS# 240041

Direct 805- 699-6492 or 949-331-3409

Fax 714-882-6097

Email Joejoecerros.com

www.joecerros.com

 

Specialize in Difficult loans:

FHA, Conventional, VA, USDA, Homepath, Harp,

Refinance, Investments and Purchases

Programs fico score 500+

Have foreclosure, bk or shortsale under 3 years we have 2 programs

1. Return back to work program – must not have taken any type of application for mtg – Certain restrictions apply
2. Conventional 20 % down payment 

If you have 3 years in foreclosure, shortsale or BK 

1. FHA
2. Conventional 20% down payment 

• Note special restrictions apply to the program – Call me to see if borrower pre-qualifies 

We have the .50% assistance program you can get from 3% to 10% Grant fico 660+  Certain restrictions apply

I have the Assistance program for fico 580+ 1^st and 2^nd not a grant * certain restrictions apply 

** If your client has a 400 fico score send them to us to guide them on how to clean the credit and re-establish it so we can pre-approve it. 

Available Monday thru Sunday

Groundworks Landscape is a professional landscape business that specializes in custom landscape design and full landscaping maintenance for both residental and business properties.  We serve the Central Coast from Santa Ynez to San Luis Obispo.