MORTGAGE SERVICES & LOAN PROGRAMS

CONVENTIONAL LOANS

The most common type of mortgage for those buyers that meet the requirements and debt to income ratios. Fixed or adjustable interest rates are available. Minimum down payment is 3%-5% depending on qualification.

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VA LOANS

A Veteran Affairs loan makes home buying affordable for our veterans who have bravely served. These loans are available for clients who are veterans, current active service members of the United States Army, national guard members, reservists, active-duty personnel, and surviving spouses.

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FHA LOANS

This government backed loan is a mortgage loan insured by the Federal Housing Administration (FHA). It offers borrowers ability to put as little as 3.5% down with debt-to-income ratios up to 56%.

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ADDITIONAL PROGRAMS TO COMPLIMENT CONVENTIONAL & FHA LOANS

Down Payment Assistance (DPA) Programs
10/1 ARM 30 YR
2-1 Buydown on 30YR FRM

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JUMBO LOANS

A loan is considered a jumbo if the amount exceeds loan-servicing limits set by Fannie Mae and Freddie Mac which vary by county. Various terms available including fixed-rate and adjustable-rate loans.

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HARD MONEY LOANS

Limited documentation, private investor backing with a 7-10 close.

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ALT-DOC LOANS

"Alternative Documentation loans” (alt doc loans) are available for businesses/small business owners and investors that meet program guidelines. Types of loan programs include:

Bank Statement Loans
1099 Loans
DSCR (Investor Cash Flow) Loan
Asset Qualifier Loan

NON-QM / ALT-DOC (Alternative Documentation)

Bank Statement - Ideal solution for self employed or unconventional financial situations. Borrower's income qualification is based on 12 to 24 months of qualified deposits documented with business or personal bank statements; no W-2s or tax returns required.

1099 Only - Perfect for borrowers that are paid or collect payments as a sole proprietor or an independent contractor. This program calculates income based on the 1099 giving the borrower the opportunity to secure financing based on their gross income versus their net income.

DSCR (Investor Cash Flow) Loan - Can help build your rental property portfolio. Qualification is based on the income to be generated by the subject property. No W-2s or tax returns needed.

Asset Qualifier Loan - Use liquid assets in a savings or securities account in place of tax returns or traditional income documentation. Purchase a home using assets as income qualification rather than tying them up with a cash purchase.

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HOME EQUITY CONVERSION MORTGAGES

A Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage, is a Federal Housing Administration (FHA) insured loan which enables you to access a portion of your home’s equity to obtain tax-free funds without having to make monthly mortgage payments. Available for seniors with sufficient equity in their homes.

HECM REFINANCE

Seniors with sufficient home equity may be able to get the cash they need to:

Pay off existing mortgage
Continue to live in their home and maintain the title
Pay off debts
Improve monthly cash flow
Fund home repairs / renovations
Build a “safety net” for unplanned expenses

HOME EQUITY PURCHASE

Seniors can purchase a home that meets the equity requirements and not have a mortgage. Must be a primary residence occupied within 60 days of closing

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