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• CHF Access  - 99.5% Down Payment Assistance
• Exclusive to First Mortgage Corp.
• CA Properties Only
• FHA Under 620 FICO – 30yr Fixed
• FHA Under 620 FICO – 5/1 ARM
• CalSTRS 80/17
• CalPERS
• FHA Over 620 FICO with High DTI & DU Approval

Phone: (209) 722-5533
Fax: (209) 722-5535
424 E. Yosemite Ave, Suite C
Merced, CA 95340
NMLS Branch ID #268956

Phone: (209) 826-5544
Fax: (209) 722-5535
888 4th Street
Los Banos, CA 93635
NMLS Branch ID #314827

• FHA Streamline with No Credit Scores
• FHA Streamline 5/1 ARM with No Credit Scores
• FHA Manufactured Homes – Up to 90%, Cash Out to 70%
• FHA Flips Under 90 Days and Over 20% Appreciation
• FHA with 1 FICO
• FHA with No Minimum Tradelines
• HUD $100 Down & Good Neighbor Next Door
• FNMA Manufactured Homes

Charter Merced is the Retail Lending Division of First Mortgage Corporation.

With branches throughout California and funding over 700 million residential mortgages annually, Charter Merced is a leader in the conforming mortgage market and FHA/VA. Charter Merced ranks among the top 4 FHA lenders in the entire state.

Charter Merced continues to demonstrate the many benefits of being a full service mortgage banker including the highest levels of customer service and advanced technological solutions. Charter operates with the power of a major lender while maintaining the flexibility of the smallest mortgage banker.

We improve lives one loan at a time by helping people achieve their dreams of home ownership. Building a quality relationship from lender to buyer, that’s the Charter Merced way!