California Lend

If your Valentine didn’t give you anything today…
just demand a house instead. 💝➡️🏡

At California Lend, we help you find the perfect match for your life, your income, and your goals.

FHA, VA, USDA
Down payment assistance
Bank statement and Non-QM loans
Direct lender and broker options

Because flowers fade.
Real estate builds wealth. 😌

Happy Valentine’s Day 💕
— California Lend

DM LOVE to get started.

Most people think “first-time buyer loans” mean:
• No down payment
• No closing costs
• Free money automatically
• Anyone can qualify
That’s not how lending actually works!!
Here’s the real truth 👇
There are no loans called “first-time buyer loans.”
There are loan programs and assistance options with flexible guidelines that some first-time buyers qualify for.

DM “STRUCTURE” and we’ll show you how your loan should actually be built.

They really didn’t teach mortgages, credit, or down payment programs in school 😅

So most people are out here trying to buy a house without knowing how the system actually works.

That’s why we do.
We believe educated buyers make better decisions.

At California Lend, we break things down in real life terms, not bank language.
We explain your options.
We structure your loan the right way.
And we help you understand what actually matters.

Because buying a home shouldn’t feel confusing or intimidating.
It should feel possible.

Happy International Day of Education 📚
— California Lend

Sending virtual hugs because some of y’all don’t deserve physical ones 😂🤍

Because owning a home feels better than any hug. 🏡🤍

Happy National Hugging Day 🤍
— California Lend

They didn’t teach mortgages, credit, or down payment programs in school 😅

So most people are out here trying to buy a home without ever being taught how the system actually works.

Real talk…
There’s more than one way to qualify.
There’s more than one type of loan.
And there’s more than one lender rulebook.

You don’t need perfect credit.
You don’t need 20% down.
You don’t need to be W-2 forever.

You just need the right loan structure. DM to get started

Today we honor Dr. Martin Luther King Jr.
A leader who believed in equal opportunity and economic empowerment.

At California Lend, that means real access to homeownership.

We don’t believe in one-size-fits-all loans.
We believe in real underwriting strategy.

✔ Down payment assistance
✔ FHA, VA, USDA, Conventional
✔ Bank statement & Non-QM loans
✔ Direct lender + broker flexibility

Your situation isn’t impossible.
It just needs the right structure.

Happy MLK Day
— California Lend

DM “OPTIONS”

Homebuyers Looking to Purchase in Riverbank:

Explore the First Time Home Buyers Program, offering a 30-year loan term with a 3% simple interest rate. The program provides assistance up to $100,000 towards the purchase of a home.

Let me know if you would like help purchasing. Our lending team and realtors can help you through the process.

Call 209-622-8982

Are there first-time home buyer grants?
First-time home buyer grants can help with your down payment and often your closing costs, too. Every state offers some form of home buyer assistance — but most borrowers don’t even realize it’s available.

First-time home buyers could be in line for thousands of dollars in grant money if they qualify. However, the amount and type of assistance vary a lot by program. So explore all your options and make sure you’re leveraging the best homeownership grants available to you.

Contact me to find out more 209-737-8636

First-Time Home Buyers! Spread the Word! **Please share this to get more qualifying home buyers this assistance.

Qualifying for your first home just got easier!

We offer grants and down payment assistance up to $50,000, AND you can combine these with local, state, and federal programs.

**Special programs for Hispanic and Black homebuyers are available!

Contact us today at 209-737-8636 and let's make your homeownership dreams a reality!