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Helpful
Information
Mortgage Checklist / Programs Offered / Questions
and Answers
Investment Properties
- 1-4 Unit Properties
- Up to 100% Loan to Value (LTV) on Purchases
- Cash out Refinance up to 75% Loan to Value (LTV)
- No Income Verification
- Fixed and Adjustable Rate Programs
- Apartment Buildings
- Multi-Family Homes - Up to 95% Loan to Value (LTV)
Commercial Investments
- Greater than 4 Unit Properties
- Up to 100% LTV Purchase and Refinance
- Fixed and Adjustable Rate Programs
- Mixed - Use Properties
Credit Problems
- A thru D Credit Loan Products
- Fixed and Adjustable Rate Programs
- Up to 65% Debt to Income Ratio Programs
- No Income / No Asset Verification
- Foreclosure Bailouts
- Bankruptcy, with an A Rate Available 1 Year After Discharge
Fixed Rate Programs
- 10, 15, 20, and 30 Year Loans Up to 97% Loan to Value (LTV)
- Conforming Loans Up to $300,700
- Jumbo Loans(Greater than $300,700)
- No Income Verification
- No Asset Verification
Government Loans
- FHA Loans - As Little as 3% Down
- FHA Loans - Down Payment can be 100% Gifts
- Fixed and Adjustable Rate Programs
- Up to 6% Seller Concession on Closing Costs
- VA Loans
Rate Locks
- Up to 270 days available
- Float Down Options
Second Homes
- Purchase or Cash Out Refinancing
- Up to 100% Loan to Value (LTV) - Full Doc
- Up to 95% Loan to Value (LTV) - No Doc
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