We offer Loan Programs for borrowers with credit issues and with perfect credit. We have programs for Purchases and Refinances of Primary Residences, 2nd Homes, Investment Properties, 1-4 Units and Commercial.
home purchase
Buying a home is one of the biggest investments you will make in your lifetime. Get the facts on financing before you go and look for a new home. Have confidence when buying your home with a loan commitment from your lender. Increase your chances of having your offer accepted with a loan approval. We offer no-cost loan approvals to make you an attractive buyer to sellers.
- Up to 107% Financing with No PMI.
- Conforming 15 year and 30 year fixed
- 97% (3% Down Payment)
- 100% Financing, one loan (zero down)
- 100% Financing (With No PMI)
- Jumbo Fixed (More than $300,700.)
- Jumbo Adjustable Rate 3/1 5/1 7/1 (fixed for 3,5 or 7 years then adjusts)
- Super Jumbo to $7,000,000.
- VA Loans (30/15Year Fixed)
- We offer a wide variety of terms for self-employed borrowers including "stated-income loans," "Limited" Document Loans and "No Income" Document Loans
refinance and debt consolidation
Looking to lower your payments or consolidate debts? Let us show you how a refinance can save you money!!
- Cash-out & Rate and Term Refinance Programs
- Conforming 15 and 30 Year Fixed
- Jumbo Fixed and Adjustable 3/1 5/1 7/1
- Super Jumbo
- VA Streamline
- No Point No Cost Loans
second mortgage
Have a great rate on your 1st mortgage but need some additional cash for debt consolidation, a college education or home improvements, check out our wide variety of products to meet your financial needs. Let us Guide you through the options!!
- Fixed Rate 2nd Mortgages
- Owner/Non-owner & 2nd Homes
- Stated Income Programs
- Expanded LTV Fixed Rate 2nds to 125% of Property Value
jumbo and super jumbo
- Great rates on 75% Loan to Value to four million.
- 100% Purchase. Full Documentation, 620 middle score, to 1.4 million.
- 95% Purchase. Stated Income, 620 middle score, to one million.
- 95% Purchase. Full Documentation, 580 middle score, to one million.
special programs
Banks will not lend to you with less than perfect credit. Most lenders specialize in borrowers with perfect credit and may do an occasional borrower with credit issues with mixed results. If you have good credit and income most lenders will be able to satisfy your needs. It is the borrower with less than perfect credit that is usually denied due to the broker packaging the loan incorrectly. We specialize in helping borrowers with credit issues. If it can be done, we can do it.
- One day out of Bankruptcy or Foreclosure. Stated Income or Full Doc.
- Any credit score 500> to 80% Loan to Value Full Documentation.
- Any credit score 580> to 80% Loan to Value Stated Income.
- Middle score 580> to 90% Loan to Value. Stated or Full Documentation.
- No Credit Score. 90% Loan to Value. We will use 12 months rent and three other sources. (Utility Bill, Phone Bill and Insurance)
- 100% Purchase. Stated income, 620> middle score, Full Documentation.
- 103% Purchase. Full Documentation. 580> middle score.
- 100% Non Owner Purchase. Full and Reduced Documentation.
- 100% 2-4 units. Stated Income or Full Documentation.
These are general guidelines. Other conditions apply.