where can I find a harp 2.0 lender with the least amount of 'overlays" or additional regulations on top of harp 2.0 regs in Ca?

Hello I would be happy to help. Can you email me directly at amccallahan@amreslending.com

You need to be much more specific.. every lender has overlays, and they vary lender to lender.. If I have a lender that only has ONE overlay, and it just so happens to be what your looking to get overlooked, then it doesn't matter that they only have one.. Ideally, you should be reaching out to a local mortgage broker.. since brokers deal with numerous lenders *(I have 21), with each lender offering a different set of guidelines, then the more lenders, the more lending guidelines, and the greater likelihood your loan scenario will be accepted.. but if you can be more specific, then it's possible someone here can point you in the right direction. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

We offer Harp 2.0 in California. Call Chad at 919-412-3122