COUNTY OF SANTA CRUZ PLANNING DEPARTMENT 701 OCEAN STREET, 4TH FLOOR, SANTA CRUZ, CA 95060 (831) 454-2336 FAX: (831) 454-2920 TDD: (831) 454-2123 KATHLEEN MOLLOY PREVISICH, DIRECTOR
RE: CalHome Mortgage Assistance Program Dear Interested Party, It was a pleasure connecting with you regarding the County’s CalHome Mortgage Assistance Program. Please utilize the attached document titled “CalHome Mortgage Assistance Program Checklist” to gather all the needed documentation to be considered for the program. Once you have been deemed eligible for the program your name will be placed on the programs eligible list. Please be advised that there are limited funds for the CalHome program and applicants will be processed on a first come, first served basis. Also, I have attached a program brochure for your review. If you have any questions please let me know. Thank you.
Micaela Lopez Housing Program Staff 831-454-2336
Enclosures:
CalHome Mortgage Assistance Program Brochure CalHome Mortgage Assistance Program Checklist CalHome Mortgage Assistance Program Application CalHome Program Eligibility Release Form Employment Verification Release Form Attachment G-Instructions to Homeowner Homebuyer Education Flyer
1
COUNTY OF O SANT TA CRUZ Z CalHome- Mortgag ge Assis stance Program P m The County of Santa a Cruz admin nisters the State S of Califfornia’s CalH Home Progra am. The CalHome e Program provides p a do own paymen nt loan of up to $56,400 to income eligible purchase ers towards the t purchase of a condo ominium, tow wn home, sin ngle-family residence, r or manufactured home in non-profitt or residentt owned parkks in the unin ncorporated areas of Sa anta Cruz Cou unty. CalHome e funds are limited and will w be alloca ated on a “firrst come, firsst serve basis”. Buyer elligibility C All A buyers mu ust qualify ass "First Time e Home Buyers" under program p guid delines C 5% minimum cash down payment C Gross G income e must be eq qual to or lesss than 80% % of area me edian income e, as adjuste ed by household siz ze: 2014 STAT TE INCOME LIM MITS (subject to t change everry year) Household d Size
1
2
3
4
5
6
80% Limit
$56,500 0
$64,550
$72,600
$80,650
$87,150
$93,600
m purchase e price Maximum C $4 425,000 First mo ortgage guid delines C First mortgag ge must be a fully amortized, conven ntional, fixed d rate mortga age C Maximum M qua alifying debtt-to-income ratios r are 40 0% / 45% C All A mortgages s must includ de impound taxes and in nsurance C Non-occupied N d co-signerss are not allo owed Agency Loan guide elines C Loan is up to about $56,4 400 C Loans have a deferred simple interesst rate of 3% % C No N monthly payments p C Loan is securred by a dee ed of trust C Loan and acc crued interesst is repaid upon u sale orr transfer of the t home orr violation of the C CalHome pro ogram C CalHome C loan cannot be combined with w County’s Measure J or other Co ounty Progra ams C No N “cash out”” refinances are allowed d C CalHome C loans are not assumable. a C Buyers B are re equired to co omply with th he County’s annual mon nitoring effortts C The T home be eing purchassed must be owner occupied, and may not be re ented or leassed C County C must inspect the home and a private hou using inspecttion and report is require ed C Buyer B must attend a a Cou unty approve ed homebuye er education n class C Info ormation County Contact If you are e interested in the progra am please contact c Micaela Lopez at 454-2336 or o
[email protected] anta-cruz.ca a.us to discu uss the appliccation proce ess.
1
COUNT O TY OF SANT TA CRUZ R PLANNING DEPARTMEENT 701 OCEAN STREET, 4TH FL LOOR, SANTA CRUZ, CA 950660 (8831) 454-2336 FAX: (831) 454-2920 TD DD: (831) 454-22123 KATHLE EEN MOLLOY Y PREVISICH H, DIRECTOR
CalH Home Checkklist Name: __________ _ ___________ __________ ____ Phone e Number __ __________ _____ Unit __ ___________ __________ __________ ___________ ___ Househ hold size:___ ____ Docum mentation (m must bring copies of originals) needed to certify housseholds for the CALHOME Progra am include but b aren’t lim mited to: CalHome Application A COMPLETE ED AND SIG GNED R Form ms COMPL LETED AND SIGNED (IN NCLUDING Eligibility Release
EMPLOYM MENT, SOCIAL SECUR RITY, ASSET TS, ETC.) Wage stub bs for your la ast six month hs, consecutive pay periods for all in ncome earne ers
in the hous sehold. Stub b should sho ow year to da ate income earned e for th his year. Documentation of all other o income e sources inccluding, but not limited to, self-
employme ent, pensionss, annuities, alimony, child support, CalWorks, worker’s w com mp., unemploym ment compe ensation, soccial security benefits, dissability, etc. Your most recent state ements for all a assets inccluding, but not n limited to o, checking (last ( six months s), savings (ccurrent balance), holidayy savings acccounts, brokerage accounts, stocks, bond ds, retirement accounts and any oth her investme ent accountss. Your most recent state ements for all a liabilities in ncluding, bu ut not limited to, car payments, student loans, credit ca ards, etc. Complete Federal Inco ome tax retu urns including tax form 1040, all atta achments and schedules for previouss three yearss with W-2s and 1099 fo orms attache ed. Proof of identification: Drivers licen nse or otherr picture ID fo or all applica ants. Full credit report for all adults/appllicants in the e household. Pre-qualification letter and form nu umber 1003 and 1008 frrom a lenderr.
Items requ uired once you have been b prelimiinarily apprroved: Name, address, a pho one number, escrow officcer and escrrow number from the title e company. Purchase contract signed by all parties. Appraisa al Property y inspection reports Homebu uyer Educatio on Certificatte
Please note that it may take up to two weeks after initial approval to fund a transaction. 2
COUNTY OF SANTA CRUZ PLANNING DEPARTMENT 701 OCEAN STREET, 4TH FLOOR, SANTA CRUZ, CA 95060 (831) 454-2336 FAX: (831) 454-2920 TDD: (831) 454-2123 KATHLEEN MOLLOY PREVISICH, DIRECTOR
RE: Programa CalHome de ayuda financiera para primeros compradores Estimado, Fue un placer hablar con usted sobre el programa CalHome de ayuda financiera para primeros compradores administrado por el Condado de Santa Cruz. Por favor utilice el documento que se adjunta titulado Lista CalHome de ayuda financiera para primeros compradores para ver todos los documentos que necesita para ser considerado para este programa. Al determinar que usted califica para recibir ayuda por parte del programa, el personal pondrá su nombre en la lista de participantes calificados del programa. Por favor tome en cuenta que los fondos disponibles para este programa CalHome de ayuda financiera para primeros compradores son limitados y las solicitudes se procesarán en el orden que se vayan recibiendo. Ajunto encontrará un folleto con información pertinente del programa y si tiene preguntas o necesita más información por favor comuníquese conmigo. Atentamente.
Micaela López División de viviendas 831-454-2336
Adjunto: Folleto del Programa CalHome de ayuda financiera para primeros compradores Lista de CalHome de ayuda financiera para primeros compradores Solicitud de CalHome de ayuda financiera para primeros compradores Verificación de Elegibilidad Verificación de Empleo Instrucciones del Anexo G Folleto de cursos para primeros compradores
4
Co ondado de Santta Cruz Prrograma a CalHom me para compra adores por p prim mera vez El Conda ado de Santa a Cruz admiinistra el pro ograma CalH Home. El pro ograma CalH Home ofrece e ayuda fin nanciera de hasta $56,400 para prim meros comprradores eleg gibles para comprar c una a casa o co ondominio en e las áreas no incorpora adas del Co ondado de Sa anta Cruz. Los fondos del progrrama CalHom me son limittados y las solicitudes s se e procesan en e el orden que q sean recibidas. Requisittos • pantes deben n ser compradores por primera p vez Los particip 5% mínimo de pago inicial • Los ingreso os de la famiilia no deben n pasarse de e la siguiente lista: • 2014 Límite es (Estos in ngresos pued den cambiarr cada año) Tamaño de familia Ingresos máximos por año
1
2
3
4
5
6
$56,500
$64,550
$72,600
$80,650
$ $87,150
$9 93,600
m de la l casa Precio máximo • $4 425,000 Reglas para p la prim mera hipotec ca • La primera hipoteca debe e ser un présstamo conve encional con n interés fijo de 30 años N puede gas star más del 40% de loss ingresos mensuales m en n bruto en gastos de • No viivienda ni más del 45% en pagos mensuales m de e todas las deudas d • La hipoteca debe d incluir impuestos i y seguro de propiedad p Reglas para p el prés stamo • La cantidad del d préstamo o es de hasta a $56,400 E préstamo tiene t un inte erés diferido de 3% simp ple • El • No N hace pago os mensuale es • El E Condado aparece a en el e título de la a propiedad • El E préstamo y el interéss se pagan cuando ve enda la casa a o transfiera el título o no cu umple con lo os requisitoss del program ma • No N se puede combinar en n el program ma Measure J u otros pro ogramas del Condado • Puede P refinan nciar con au utorización del Condado pero no pue ede sacarle dinero a la casa c • El E préstamo no n es transfe erible • El E compradorr debe cump plir con los monitoreos m a anuales del Condado C a es la reside encia princip pal del particcipante; no se s permite re entar • La casa bajo el programa S requiere una u inspección y reporte e por parte de d un inspector privado • Se • El E compradorr debe comp pletar un currso para prim meros comprradores apro obado por ell C Condado Para má ás informaciión Si está in nteresado en n el program ma, por favorr comuníque ese con Mica aela López al a (831) 454 4-2336 o micaela.lopez@ @co.santa-ccruz.ca.us pa ara más detalles.
2
COUN NTY OF SAN NTA CRUZ PLANNIN NG DEPART TMENT TH H 701 OCEA AN STREET, 4 FLOOR, SAN NTA CRUZ, CA 95060 (831) 454-22336 FAX: (831) 454-2920 TDD: (831) 454-2123 4 KAT THLEEN MOL LLOY PREVIS SICH, DIRECTO OR
Progra ama CalHom me de ayuda a financiera para primero os comprado ores
Nomb bre: _______ ___________ ___________ __________ ___ Teléfono: ________ ________ Direccción:_______ __________ __________ ___________ __________ __ # de recá ámaras:____ __ La documentación necesaria para llenarr la solicitud d incluyen lo o siguiente: (por favor haga h copias, no podem mos aceptar originales): Applicacion de CalHom me. COMPL LETA Y FIRM MADA Verificació ón de elegibilidad: COMP PLETA Y FIR RMADA (INC CLUYENDO O EMPLEO,
SEGURO SOCIAL, BIENES E INM MUEBLES, ETC.) E Talones de e cheques de d los últimoss seis (6) me eses de toda as las perso onas de la
familia que e tienen ingrresos. Los ta alones debe en mostrar el e total de ing gresos de lo que va del año o. Documentación de otrros recursos de ingresoss, incluyendo o salarios po or prestar servicio militar, trabajo o por su cue enta, pension nes, inversio ones, manuttención de menores, compensaci c ón a trabaja adores lastim mados, CalW Works u otross programass del gobierno, incluyendo i d desempleo, incapacidad d, seguro soccial, etc. Estados de e cuentas más m recientess, incluyendo o cuentas de e cheques, cuentas c de ahorros, bo olsa de valo ores, inversio ones, cuenta as de jubilacción y cualqu uier otra cuenta de inversió ón. Declaració ón de impuesstos federales, completa a con todos los formularrios W-2 and d 1099 de lo os últimos tres . (3) años. Copia de id dentificación n: Licencia de d Manejar u otra ID con n foto para to odos los adultos/solicitantes. Reporte co ompleto de crédito c para todos los ad dultos/solicittantes de la familia. Pre-califica ación del banco (formullarios 1003 y 1008).
Informació ón/docume entos neces sarios despu ués de ser aprobado: a Nombre e, dirección,, número de teléfono de la compañía a de títulos y del oficial encargado o del cierre de d la transaccción (escrow w officer). Contrac cto firmado por p todas lass partes. Evalúo Reporte e de Inspeccción de prop piedad Certificado del cursso para prim meros compra adores
5
COUNTY OF SANTA CRUZ APPLICATION FOR HOMEBUYERS (CalHome Program)
DATE RECEIVED
Loan Processors
EFFECTIVE DATE
File #
NON-ENGLISH SPEAKING HOUSEHOLD? YES ______ NO ______ Applicant's Name _____________________________ Social Security # _________________________ Co-Applicant's Name ___________________________Social Security # _________________________ Street Address ___________________________________________ City ____________________________ Zip ___________________________ Mailing Address if different ________________________________________________ County__________________________________________ Home phone (_____)_______________Applicant work phone: (_____)________________ Applicant cell phone: (_____)______________ Co-Applicant work phone: (_____)____________ Co-Applicant cell phone: (_____)________________ For statistical/government monitoring purposes only Enter code from list below (Information is voluntary) Applicant's race _____
Co-applicant's race ____
Race of Household Code 11-White 12-Black/African American 13-Asian 14-American Indian/Alaskan 15-Native Hawaiian/other Pacific Islander 16American Indian/Alaskan Native & White 17-Asian & White 18-Black/African American & White 19-American Indian/Alaskan Native & Black/African American 20-Other Multi-Racial
Hispanic Origin:
Yes______
No_____
Are any residents of the household employed by the Jurisdiction or its Program Operator? Yes_____ No_____
Has any of the applicants held ownership or interest in a property in the last three years? Yes____ No____ If yes, explain: _____________________________________________
Are any residents of the household a member of the governing body or agency of government who exercises housing policy? Yes_____ No____ If Yes to either, explain in next box
(explanation) _____________________________________________ _____________________________________________ _____________________________________________
INCOME SUMMARY: Check applicable sources of income currently and during the prior calendar year for any residents: Wages ____
AFDC (TANF) ___
Interest ___
Other ____
SSA
____
Disability
Rentals ___
(explain):
SSI
____
Unemployment ___
Pension ___
___________
___
Page 1 of 4
STAFF USE ONLY BELOW THIS LINE Total persons who live at address
In Target Area?
__No __Yes
Total seniors in household
Conflict of Interest?
__No __Yes
Annual Family Income
Handicapped:
__No __Yes
Previous
Projected
FHOH?
__No __Yes
Year's Income
Income
Farm worker?
__No __Yes
$__________
$___________ HCD Definition (Circle)
LI
VLI
XLI
FAMILY AND INCOME DETAILS Last Name(s)__________________________ Address_____________________________
File #________________
LIST ALL PERSONS WHO WILL BE LIVING IN THE PROPERTY BEING PURCHASED INCLUDING APPLICANT AND CO-APPLICANT(S). NOTE: INCOME MUST BE IDENTIFIED IN TERMS OF "GROSS MONTHLY". OFFICE USE
NAME
RELATIONSHIP
AGE
SEX
GROSS MONTHLY INCOME
ACTUAL INCOME
LS
Applicant
INCOME INFORMATION Gross family income would include income from any of the following sources or any other source of income. Wages, Self-Employment, Farming Income, Public Assistance, Social Security, Retirement Pensions, Veteran’s or GI Benefits, Child/Spousal Support, Unemployment/Disability Insurance, Worker’s Compensation, Contributions, Cash Gifts, Rental Income, Sale of Property, Foster Child Care, Interest, Dividends. Royalties, Scholarships, Grants and Loans for School. PERSON RECEIVING INCOME
SOURCE OF INCOME
GROSS MONTHLY AMOUNT
EXPLANATION OF INCOME SOURCE, PATTERN(S), ANNUAL AMOUNT OR OTHER COMMENTS:
Page 2 of 4
ASSET INFORMATION CHECKING AND SAVINGS Account Holder(s)
Bank or Credit Union
Account No.
Type
Balance
Ckg___ Svg___ Account Holder(s)
Bank or Credit Union
Account No.
Type
Balance
Ckg___ Svg___ Account Holder(s)
Bank or Credit Union
Account No.
Type
Balance
Ckg___ Svg___ LIST OTHER ASSETS Retirement funds/stocks/bonds, etc. (from Income and Asset Inclusions checklist) Family Member Asset Description Income From Assets Cash Value
EMPLOYMENT INFORMATION APPLICANT Name and Address of Employer
Position/Title/Type of Business
__Self-Employed
Empl. Verif. Phone
Years on Job/Years employed in this line of work
Name
OTHER HOUSEHOLD MEMBER/JOB Employer __Self-Employed
Position/Title/Type of Business
Empl. Verif. Phone
Years on Job/Years employed in this line of work
CO-APPLICANT Name and Address of Employer __Self-Employed
Position/Title/Type of Business
Empl. Verif. Phone
Years on Job/Years employed in this line of work
Name
OTHER HOUSEHOLD MEMBER/JOB Employer __Self-Employed
Position/Title/Type of Business
Empl. Verif. Phone
Years on Job/Years employed in this line of work
Page 3 of 4
LIABILITIES
List the creditor's name and account number for all outstanding debts, including but not limited to automobile loans, revolving charge accounts, alimony, child support, stock pledges, etc. Creditor Name
Account No.
Total of Liabilities
Monthly Payments
Payments Left
$
Approximate Balance
$
COMMENTS:
ADDITIONAL INFORMATION List additional employment, assets or liabilities in the space provided below.
CERTIFICATION--READ BEFORE SIGNING I certify that this will be my primary residence of occupancy. I certify that the information given on this form is true and accurate to the best of my knowledge. I certify that I have no additional income or assets and that there are no persons living in or contributing to my household other than those described here. I am aware that there are penalties for willfully and knowingly giving false information on an application for Federal or State funds. I understand that the information on this form is subject to verification. Penalties for falsifying information may include immediate repayment of all Federal or State funds received and/or prosecution under law. CERTIFICACION--LEA ANTES DE FIRMAR Yo certifico que aqui sera mi residencia principal de vivir. Yo certifico de que la informacin suministrada en este formulario es cierta y precisa a mi mayor conocimiento. Yo certifico de que no cuento con ingresos adicionales y bienes en activo y que no existen personas que se encuentren viviendo o contribuyendo a mi hogar aparte de aquellas descritas aqui. Yo estoy enterado de que existen penalidades por suministrar informacion falsa intencionalemente y a sabiendas en una slicitud para fondos Federales o Estatales. Yo entiendo e que la informacion en este formulario queda sujeta a verificacion. Las penalidades por falsificar informacion puede incluier la devolucion de inmediato de todos los fondos Federales o Estatales recibidos y/o procesamiento bajo la ley.
Applicant's Signature
Date
Co-Applicant's Signature
Print Name
Print Name
Page 4 of 4
Date
Date:
State HCD Division of Financial Assistance
CalHome Program Eligibility Release Form
_____________
Information Covered: Inquiries may be made about items initialed by applicant/tenant.
City/County of ________________________ Contact:_____________________________ Verification Required Purpose: Your signature on this CalHome Program Eligibility Release Form, and the signatures of each member of your household who is 18 years of age or older, authorizes the above-named organization to obtain information from a third party relative to your eligibility and continued participation in the: CalHome Mortgage Assistance Program
Income (all sources) Assets (all sources)
Initials
√ √
Child Care Expense Handicap Assistance eExpense (if applicable)
CalHome Rehabilitation Program Privacy Act Notice Statement: The Department of Housing and Urban Development (HUD) is requiring the collection of the information derived from this form to determine an applicant’s eligibility in a CalHome Program and the amount of assistance necessary using CalHome funds. This information will be used to establish level of benefit on the CalHome Program; to protect the Government’s financial interest; and to verify the accuracy of the information furnished. It may be released to appropriate Federal, state, and local agencies when relevant to civil, criminal, or regulatory investigators, and to prosecutors. Failure to provide any information may result in a delay or rejection of your eligibility approval. The Department is authorized to ask for this information by the National Affordable Housing Act of 1990. Instructions: Each adult member of the household must sign a CalHome Program Eligibility Release Form prior to the receipt of benefit and on an annual basis to establish continued eligibility. Additional signatures must be obtained from new adult members whenever they join the household or whenever members of the household become 18 years of age. NOTE: THIS GENERAL CONSENT MAY NOT BE USED TO REQUEST A COPY OF A TAX RETURN. IF A COPY OF A TAX RETURN IS NEEDED, IRS FORM 4506, “REQUEST FOR COPY OF TAX FORM” MUST BE PREPARED AND SIGNED SEPARATELY.
Head of Household—Signature, Printed Name, and Date: Family Member HEAD
Other Adult Member of the Household—Signature, Printed Name, and Date: Family Member #3
Medical Expense (if applicable) Other (list) _______________________ _______________________ Dependent Deduction ______ Full-Time Student ______ Handicap/Disabled Family Member Minor Children Authorization: I authorize the above-named CalHome Participating Jurisdiction and HUD to obtain information about me and my household that is pertinent to eligibility for participation in the CalHome Program. I acknowledge that: (1) A photocopy of this form is as valid as the original. (2) I have the right to review the file and the information received using this form (with a person of my choosing to accompany me). (3) I have the right to copy information from this file and to request correction of information I believe inaccurate. (4) All adult household members will sign this form and cooperate with the owner in this process. Other Adult Member of the Household—Signature, Printed Name, and Date: Family Member #2
Other Adult Member of the Household—Signature, Printed Name, and Date: Family Member #4
Income Calculation and Determination Guide for Federal Program – Appendix H
Verification of Employment State HCD Division of Financial Assistance
Employed since: _____ Occupation: ________ Salary: ________
City/County of Santa Cruz Contact: Housing Division
Effective date of last increase: ____ Base pay rate: $_____/Hour; or $_____/Week; or
County of Santa Cruz, 701 Ocean Street, 4th Floor, Santa Cruz, CA 95060 Fax: 831-454-2920
AUTHORIZATION: Federal regulations require us to verify Employment Income of all members of the household applying for participation in the CalHome Program which we operate and to re-examine this income periodically. We ask your cooperation in supplying this information. This information will be used only to determine the eligibility status and level of benefit of the household. Your prompt return of the requested information will be appreciated. A selfaddressed return envelope is enclosed.
$_____/Month Average hours/week at base pay rate: _____ Hours No. Weeks ___, or No. Weeks ___ worked per year Overtime pay rate: $_______/Hour Expected weekly average number of hours overtime to be worked during next 12 months ________ Any other compensation not included above (specify for commissions, bonuses, tips, etc.): For: _______________ $_____ per ________ Is pay received for vacation? ___ If yes, no. of days/yr.___ Total base pay earnings for past 12 mos. $_____ Total overtime earnings for past 12 mos. $_____ Probability and expected date of any pay increase: _______________________________ Does the employee have access to a retirement account? Yes
No
If Yes, what amount can they get access to: $________________ RELEASE: I hereby authorize the release of the requested information.
Signature of _________________________ or Authorized Representative _________________
__________________________________
Title: _______________________________
(Signature of Applicant)
Date:________________________
Date: ____________________________ or a copy of the executed “CalHome Program Eligibility Release Form” which authorizes the release of the information requested, is attached.
Telephone: ______________________________
WARNING: Title 18, Section 1001 of the U.S. Code states that a person is guilty of a felony for knowingly and willingly making false or fraudulent statements to any department of the United States Government. Income Calculation and Determination Guide for Federal Program – Appendix H
ATTACHMENT G County of Santa Cruz INSTRUCTIONS TO HOME BUYER A.
Participant works with lender of choice to obtain the primary lender’s pre-qualification letter.
B.
Participant works with real estate agent to select home. Program disclosures are reviewed with agent for presentation to seller. Preference will be given to vacant or owner-occupied homes rather then tenant-occupied homes.
C.
Participant selects home and enters into a purchase contract (contingent upon receiving Program loan approval). Lender provides the Program Operator with a copy of: - real estate sales contract - residential loan application - credit report - verified income documentation - disclosure statement - proof of personal funds for participation in program - breakdown of closing costs - structural pest control clearance - appraisal with photos - escrow instructions - preliminary title report
D.
Program Operator reviews paper work to determine program eligibility and financing affordability for participant etc.
E.
Program Operator staff meets with qualified applicant to provide information relative to the program requirements, the lending process, and home ownership responsibilities.
F.
Program Operator has home inspected (if necessary) to meet Health & Safety and local code compliance. Notice of any deficiencies or needed corrections are given to participant's real estate agent, with recommended course of action.
G.
Program Operator requests loan approval from Sponsor’s Loan Review Committee. Following loan approval, Program Operator prepares Deed of Trust, Promissory Note, Notice of Default, Grant Agreement, Owner-Occupant Agreement with County, requests checks and deposits same into escrow.
H.
Escrow company furnishes Program Operator with proof of documents to be recorded, and any escrow close out information. After receipt of recorded loan documents, HUD I, Insurance Loss Payee Certification and Final Title Insurance Policy (Program Operator) closes out the loan file.
HOMEBUYER EDUCATION CLASS PROVIDED BY WATSONVILLE LAW CENTER
ALL CLASSES ARE APPROXIMATELY 6-8 HOURS LONG
THERE IS ONE MONTHLY CLASS IN ENGLISH AND ONE MONTHLY CLASS IN SPANISH
PLEASE CONTACT THE WATSONVILLE LAW CENTER AT (831) 722 - 2845 FOR MORE INFORMATION AND TO REGISTER FOR THE CLASS
***FOR COUNTY CALHOME LOANS: PLEASE NOTE THAT CERTIFICATES RECEIVED AFTER TAKING THE CLASS ARE ONLY VALID FOR 6 MONTHS AND SHOULD YOUR CALHOME LOAN NOT CLOSE PRIOR TO 6 MONTHS YOU WILL BE REQUIRED TO TAKE THE CLASS AGAIN***
