Fixed Rate Loans
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30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
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Buy a home with as little as 3% down (primary home).
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Refinance up to 97% of your primary home's value.
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Monthly payments remain the same for the entire loan term.
NON QM / Alternate Document Loans
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Purchase or Refinance.
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Bank Statement qualification, 12 or 24 Months, Personal or Business.
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DSCR ratio program for Investors Non Owner, Qualify with Debt Service
FHA Loans
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3.50% minimum down payment required on purchase.
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Minimum credit score usually 580 and above.
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Post-bankruptcy Ch 7, qualify 2 years after discharge.
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Bankruptcy Ch 13, qualify after 12 months BK plan completed
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Post-foreclosure qualifying - 3 years after.
VA Loans
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Bankruptcy Ch 13, qualify after 12 months BK plan completed
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Bankruptcy Ch 7, qualify 2 years after discharge
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Foreclosure, short sale, deed in lieu of foreclosure, qualify after 2 years
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Sellers can pay up to 4% of sales price as concessions
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Credit scores can be less than 600 and non traditional credit is ok
Reverse Loans
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Homeowners - 55 years or older.
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Line of Credit option provides a “safety net” for the unexpected.
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Monthly mortgage payment is not required.
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Lifetime Monthly Income is an option .