06/23/2026
Franklin Direct COMMUNITY ADVANTAGE
Hi Gwendolyn,
Your listing at 1376 Elm Street in Pittsburg qualifies for the Community Advantage Program.
Eligible properties are located in moderate- and low-income neighborhoods and qualify for up to 1.5% off the qualifying rate and no PMI — even with just 3% down. The best part: there are no income-limit restrictions, so the program is widely available regardless of how much a buyer earns.
Here's how a buyer's monthly payment compares across three common financing options on the $499,000.00 list price:
You may have other listings that qualify so I will follow up on those as well. If you are already working with a loan officer at Franklin Loan Center, please contact them directly!
MONTHLY PAYMENT Standard
Conventional Community
Advantage FHA
Down payment 3% 3% 3.50%
Loan amount $484,030.00 $484,030.00 $481,535.00
Interest rate 6.99% 6.00% 6.25%
Principal & interest $3,217.01 $2,902.00 $2,964.89
Mortgage insurance $282.35 $0.00 $200.64
Property tax $519.79 $519.79 $519.79
Homeowners insurance $150.00 $150.00 $150.00
Total / month $4,169.16 $3,571.80 $3,835.33
Community Advantage saves your buyer $597.36/mo vs. conventional and $263.53/mo vs. FHA — about $35,841.60 over the first five years.
See eligible homes Get a buyer pre-approved
Questions on 1376 Elm Street? Call or text (949) 331-1939
CLICK HERE TO DOWNLOAD PROGRAM FLYER
Franklin Direct, powered by Franklin Loan Center · 949-298-7060 · www.franklinladera.com
Illustrative example for licensed real estate agents — not an advertisement to consumers and not a commitment to lend. Based on a purchase. Assumptions: Conventional 6.990% (0.70% MI factor, 3% down); Community Advantage 6.000% (no PMI, 3% down); FHA 6.250% (0.50% MI factor, 3.5% down); property tax 1.25%/yr; homeowners insurance $150/mo; 360-month term. Rates shown are samples, not locked, and depend on borrower qualification, credit, and property; APR will differ. Equal Housing Lender. NMLS #237653. Licensed by the CA DFPI under the CA Residential Mortgage Lending Act #4131316. [Company mailing address] · Unsubscribe
Tyler Aimer
Loan Officer
NMLS #2002011
(949) 331-1939
[email protected]
franklinladera.com/
Franklin Direct Ladera Ranch
NMLS: #237653 Equal Housing Lender Franklin Loan Corporation dba of Franklin Loan Center is a licensed by the Department of Financial Protection & Innovation under the California Residential Mortgage Lending Act, 4131316. The following is for informational purposes only. Loan amount, interest rate, monthly payment and terms/conditions are subject to change without notice REG-Z. Certain restrictions may apply based on current market conditions.
This email was sent as part of my effort to maintain our relationship and keep you well informed of market conditions. It could be interpreted as a commercial message. If you would like to stop receiving these emails, you may unsubscribe at any time. Unsubscribe here.
Franklin Direct Ladera Ranch 111 Corporate Dr. St. 170 Ladera Ranch CA 92694
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