Loans
We have dozens of lenders offering hundreds of programs, so we meet many needs. From local and regional lenders to the largest national lenders wholesale programs.
Loan Source: Conventional, Non-conforming, USDA, FHA, sub-prime FHA, FHA 203K Rehab, VA Loans & more.
Credit scores from 560-840 financed: Often people with no score are financeable. Our sub-prime FHA will often finance loans already declined by other FHA lenders.
Purchases
* Owner occupied- 95%-102% financing, 3%-9% seller's concession to assist with the down payment. USDA rural program offers no monthly PMI, no down payment, full financing.
* Non-owner occupied- Investment, 2nd home-90% financing & 2% sellers concession to assist with the down payment
Refinances
* Owner occupied- 95% financing, cash-out OK for equity release.
* Non-owner occupied- 90% financing
Commercial
* Many different programs and lenders to meet all needs. Up to 90% Loan-to-Value
Construction-to-Permanent Loans
* Provides a single approval and closing for the three stages of construction
1. Land Acquisition
2. Construction Financing
3. Conversion into a permanent loan
* As little at 5% down
* Loans to $3 million
* Owner/Builder with site supervisor allowed
* Access the equity in your current residence to use toward the down payment
Reverse Mortgages
* Great program, have several lenders. Borrow on the equity of your home with no payments ever expected. For homeowners 62 and older with required equity in their home, with good credit.
Typical Uses of a reverse mortgage
* Paying for everyday expenses
* Buying a new car or taking a vacation
* Making home repairs and improvements
* Covering medical expenses
* Purchasing long-term care insurance
* Establishing trusts
* Helping to financially support family members
* Paying off loans or bills
