Basic programs
- Electronic underwriting to FNMA and Freddie Mac
- Competitive Interest Rates on all loan programs
- Same day Commitments
- 107% financing program (all one loan)
- Governmane Loans
- Off credit loans
- 90% investment properties - condo's OK
- Bridge loans to 80% LTV
- No Documentation loans to 95% LTV
- Contructions / Perm. Loans (one time close)
- Lot Loans to 80% LTV
- Loans from $50,000 to $5,000,000
- Piggyback loans to avoid mortgage insurance
- Start Rates as low as 3.95% (MTA & COFI)
- Cash out refinance to 95% LTV
- Close loans in family trusts and LLC's
FHA Standard & Subprime
- If you have been denied elsewhere - Try US!
- Automatic Transmission Approvals for higher ratios and low credit scrores
- 3% Down with a 6% Seller Concession
- Second job counted in ratios regardless of time employed
- Bankruptcy allowed when your discharge date is > 12 Months.
|
 |
Subprime Lending
- 90% 1st Mortgage 10% seller held second on sun prime borrowers with 12 month clean credit history
- 85% 1st mortgage. 15% seller held second on borrowers with isolated lates in the last 12 months
- 80% 1st mortgage 20% seller held second on borrower with poor credit in the last 12 months - 80% t C- credit grade
- Up to 6% Seller concession
Portfolio Solutions
- Borrowers not required to satisfy charge offs or collections oler than 24 months.
- impared credit
- No income verification option to 80% LTV
- 65% total debt ratio
- Bankruptcy allowed after 1 day
- No sourcing of funds - No Reserves required.
- No mortgage insruance premums
- 1 week closings!!
- 6% Seller Concessions
|
