calhfa calpers calstrs short sales hiring mortgage california loan approval teachers fha down paymet 10000 tax credit home buyer 80-17 mario basura broadview mortgage bmc health care education introduction nurses fire doctors police public safety program affordable broadview references mortgage broker real estate agent mortgage lender testimonials shadow inventory buyers rights foreclosures buying agents market data lenders timing credit repair home loan real estate purchase qualifying chdap down payement home loan benefit military exception income limits purchase price limits homebuyer tax credit extension homebuyer tax credit expansion cdpap closing cost assistance down payment assistance first time hombuyer loan cal30 processor loan officer escrow turn times pre-approval title company underwriter school district employees teacher loans community college employees public school employees employees calstrs 8017 staff education loans spot approvals condo approvals hoa delinquencies underwriting guidelines down payment assistance programs usda va
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