| Purchase Loan Products |
3% Down - First Time Buyers
Fixed Rate & Adjustable Programs
Expanded Dept Ratios - 30/38
No Income Limits & No Buyer Education Required |
5% Down - Duplex Financing
Owner Occupied Duplex
Use Rents On 2nd Unit To Qualify
Common Sense Underwriting |
2/3% Down - First Time Buyers
2% Borrowers Own Funds
3% Gift, Loan, Seller, or Lender Paid
Expanded Ratios - Income Limits |
10% Down - 1 to 4 Units - NonOwner
Borrower Can Have Unlimited Properties
Fixed Rate - Common Sense Underwriting
Use Rents To Qualify |
5% Lender Funded Buydown
Qualify at Low Start Rate
No Income Limits - Expanded Debt Ratio
Common Sense Underwriting |
20% Down - 1 to 4 Units - Nonowner
No Private Mortgage Insurance
Lower Interest Rates
2/1 - 3/1 - 3/3 ARMS - Rates Start at 6% |
100% to 107% Purchase Financing
No Down Payment - 100% Financing
Seller Can Pay Up To 6% In Closing Costs
Credit Damage OK - Better Credit - Better Rates |
25% Down - NonOwner/Stated Income
1-4 Unit NonOwner Loan
Income - Not Verified by W2s or Tax Returns
Great For Self-Employed or Investors |
20% Down - Stated/No Income Loan
Great For Commissioned/Self-Employed
Good Credit = Best Rates
Damaged Credit = Higher Rates |
25% Down - No Income/No Doc Loan
No Job - No Income - Just 30% Down
Fixed or Adjustable or 5/1/ ARM
Good Credit = Best Rates |
VA Zero Down No/No Loans
Veterans Zero Down Loans
Seller Can Pay All Closing Costs
Call Us, We are VA Financing Experts |
3% Down - 100% Gift FHA Loans
FHA Loans available - Adjustable & Fixed
Please call for details. |
Refinance Loan Products
Remember: Equity In One Property Can Be Downpayment For A New Purchase |
100% Cash-Out Refinance
Good Credit = Best Rates
Damaged Credit = Higher Rates
1st - 2nd or Equity Lines of Credit |
85% Owner Occupied/Cash-Out
Borrowers Can Take Up To $50,000 Cash
And 85% LTV With This Loan
Borrowers Can Choose MI or No MI |
80% Owner - Cash-Out - No MI
Cash Out To $50,000 and 80% LTV
No Private Mortgage Insurance
Common Sense Underwriting |
NonOwner 75% Cash-Out - No Ratio
Stated Income - NonOwner
Income - Not Verified by W2s or Tax Returns
Requires Good Credit |
| Unique Loan Products |
We routinely handle jumbo loans up to $1,00,000.
We often work with Non-conforming Properties and B-D Credit borrowers.
We handle new Construction loans as wellas Construction-to-Permanent loans
Manufactured Homes and Rural Property loans |
