Government Loans

Federal Housing Administration (FHA)

  • 3.5% Down Payment
  • 580 Middle Credit Score
  • 500 Middle Credit Score w/ 10% Down Payment
  • Occupying and Non-Occupying Borrowers allowed
  • Gift Funds OK
  • Up to 60% DTI (Per AUS)
  • 30 Year Fixed Loans
  • NO Pre-payment penalties

Veteran Affairs (VA)

  • NO Money Down
  • 580 Middle Credit Score
  • Up to 65% DTI (Per AUS)
  • 30 Year Fixed Loans
  • NO Pre payment penalties
  • NO PMI (Private Mortgage Insurance)
  • NO Assets required

United States Department of Agriculture (USDA)

  • NO Money Down
  • 620 Middle Credit Score
  • 30 Year Fixed Loans
  • NO Pre payment penalties
  • 1st Time Homebuyers only*
  • Rural Areas only
  • NO Assets required

*A 1st Time Homebuyer is someone who has not owned property in the past 3 years.

Harris Mortgage - Salinas Office
422 Salinas Street
Salinas, CA 93901
Office: (831) 769-9400
Fax: (831) 769-9470

NMLS License #353363
DRE #01279430

Harris Mortgage - Visalia Office
827 W. Center Ave, Suite A
Visalia, CA 93291
Office: (559) 500-6469
Fax: (559) 862-4143

Marcell Harris, President/Loan Originator
DRE #01499586 / NMLS #235398
Cell: (831) 809-4347
marcell112@yahoo.com

Isabel Morales, Executive Assistant
Cell: (831) 809-2343
morales.isabel@yahoo.com