Types of Programs
* Conventional, Fannie Mae & Freddie Mac Purchase loans up to 95% Loan to Value (for borrowers with 620 and above credit scores).
* FHA Purchase Loans to 97.5% utilizing all gifted funds to close and credit scores as low as 580.
* FHA Purchase/Renovation (203K) loans providing the ability to make repairs OR energy saving up-grades, all with one loan.
* VA Purchase AND Cash-Out Loans to 100%, with credit score as low as 580.
* Jumbo Loans, 90% LTV to $2,000,000.
* Jumbo Loans 80% LTV to $1,000,000 with 1 year Post Short-Sale & 2 years Post FC & BK.
* Jumbo Loans 85% LTV to $2,000,000 with No PMI for 760 Credit Score Borrowers.
* Jumbo Loans Amounts to $3,000,000.
* Jumbo Loans 70% LTV to $1,000,000 Using only Personal Bank Statements to Qualify.
* Self Employed Borrowers may qualify from Accountant Prepared Unaudited P&L and Bank Statements on some programs.
* Non Owner Occupied Property loans using only property Cash-Flow to qualify.
* Asset Depletion Loans.
* Foreign National Loans.
* Non Warrantable Condo Loans.
* Manufactured Homes.
* Investment Property Purchase/Renovation loans 80% LTV to $650,000 Loan Amounts.
* Investment Property loans that allow you to qualify form Bank Statement Income.
* Private Money Loans for investment Properties.
* Private Money Bridge/ Purchase Loans.
If there is any way to make sense out of the deal, I am more then likely to find a cost effective way to make it happen. Even if you have been told “NO” before, we may still be able to help
Can’t find “The Right House”, Make it!
No Hassle, no headache for the Realtor, No Stress, No hoops to jump through for the seller!
A renovation loan is a "single close mortgage" that allows a borrower to either purchase a property, or refinance an existing property and also include the cost of making the renovations to the property.
The borrower obtains one permanent loan with no need to refinance or cover closing costs twice.
There are two ways to “Make It the Way You Want It!”
*FHA 203-K: with all the Flexibility of a normal FHA loan (such as high loan to value ratio’s, higher debt to income ratio’s), as well as some leniency on credit history.
-OR-
* The Homestyle: which is a Fannie Mae conventional loan product that allows for major remodels, Major Transformations like Room Additions AS WELL AS the Installation of Pools, built in Spa’s and Landscaping. Basically, any permanent repairs or upgrades that increase the value of the property. You can even tear down a structure and remodel on an existing foundation! Perhaps you even the installation of a new Well and/or Septic system.
If you would like more information on this product, or if you have any other mortgage related questions, please reach out to me for a “Free, No Obligation Consultation”!
Even if you have been told “NO” by someone else, I may still be able to help!
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Mortgage Loans Variety Options