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Our Way of Saying 
Advantage Benet Program  CalPATH 
Advantage Benefit Program* 
CalPATH** 
Benefits: 
Benefits: 
Reduced Processing and Underwriting Fees 
FHA or Conventional Loan Options Available 
Can be Used with Other Down Payment 
Assistance Programs 
Available for High Balance loans 
15 or 30 Year Terms Available 
No Additional Qualifying - Follows MWF’s 
FHA  Conventional Standard Guidelines 
One Free Float Down (During the First 30 Days 
After the Rate is Locked, if Rates Drop Lower 
You Can “Float Down” to the New Lower Rate***) 
Who Is Eligible? 
Employee of any California Public Agency 
Employee of a California Public School District, 
Community College, or State College 
CalPERS Members 
CalSTRS Members 
LRS Members 
JRS Members 
Buy or sell your home with Sylvia 
Cruz-Ron and receive 25% of the 
commission at close of escrow 
Who Is Eligible? 
CalPERS Members 
CalSTRS Members 
LRS Members 
JRS Members 
Firefighters 
Law Enforcement 
City, County, and State Employees 
Employee of a California Public 
School District, State University, or 
Community College 
Call us today for details! 
Advantage Real Estate  Mountain West Financial have no affiliation. Programs can be used together or by themselves through their respective companies. 
*Advantage Benefit Program- Some restrictions apply - must have valid ID or proof of employment in one of the listed professions. 
**CalPATH is exclusive to Mountain West Financial, Inc *** Rate float down available in the first 30 days before loan is approved. All applications are 
subject to underwriting guidelines and approval. Not all programs available in all areas. Rates and terms are subject to change without notice. This form may 
not be reproduced. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS# 164497. 
ap 10/14 
Sal Hernandez 
Branch Manager 
Mountain West Financial 
909-200-5625 
sal.hernandez@mwfinc.com 
www.rancho.mwfinc.com 
Sylvia Cruz-Ron 
Realtor - CELL: (909) 631-8158 
scruzron@yahoo.com 
Advantage Real Estate 
14270 Chino Hills Pkwy., Ste A., Chino Hills, CA 91709 
CAL BRE #01791007

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Cal path&advantage benefit sylvia

  • 1. Our Way of Saying Advantage Benet Program CalPATH Advantage Benefit Program* CalPATH** Benefits: Benefits: Reduced Processing and Underwriting Fees FHA or Conventional Loan Options Available Can be Used with Other Down Payment Assistance Programs Available for High Balance loans 15 or 30 Year Terms Available No Additional Qualifying - Follows MWF’s FHA Conventional Standard Guidelines One Free Float Down (During the First 30 Days After the Rate is Locked, if Rates Drop Lower You Can “Float Down” to the New Lower Rate***) Who Is Eligible? Employee of any California Public Agency Employee of a California Public School District, Community College, or State College CalPERS Members CalSTRS Members LRS Members JRS Members Buy or sell your home with Sylvia Cruz-Ron and receive 25% of the commission at close of escrow Who Is Eligible? CalPERS Members CalSTRS Members LRS Members JRS Members Firefighters Law Enforcement City, County, and State Employees Employee of a California Public School District, State University, or Community College Call us today for details! Advantage Real Estate Mountain West Financial have no affiliation. Programs can be used together or by themselves through their respective companies. *Advantage Benefit Program- Some restrictions apply - must have valid ID or proof of employment in one of the listed professions. **CalPATH is exclusive to Mountain West Financial, Inc *** Rate float down available in the first 30 days before loan is approved. All applications are subject to underwriting guidelines and approval. Not all programs available in all areas. Rates and terms are subject to change without notice. This form may not be reproduced. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS# 164497. ap 10/14 Sal Hernandez Branch Manager Mountain West Financial 909-200-5625 sal.hernandez@mwfinc.com www.rancho.mwfinc.com Sylvia Cruz-Ron Realtor - CELL: (909) 631-8158 scruzron@yahoo.com Advantage Real Estate 14270 Chino Hills Pkwy., Ste A., Chino Hills, CA 91709 CAL BRE #01791007