Smart Mortgages for Your Purchase & Refinancing Options:
Financial solutions are plentiful for any and all of your financial goals or challenges. Here are just a few of the Programs we have to select from.
We will provide you with a one-on-one Credit and Income Analysis:
That will clearly pin point the mortgage program that is best suited for your Purchase and or Refinance needs.
Are you a 1st Time Home Buyer or are you Buying or Building your second or third home?
Are you Self-Employed or just a High Salaried Professional that would prefer the convenience of a Stated Income, No Ratio loan or No Doc Loan? As you see everyone's needs are different. Struggling with the choice of selecting your very own Mortgage Advisor or the referring Real Estate agent or Builder's Loan Officer?
Are you desiring a lower interest rate or a shorter term? Has high credit card debt or other financial credit accounts began to steal more an more of your precious income. Has a lack of debt management taken it's toll on your credit history and scores? Are you currently subject to the restrictive consequences being a part of a Bankruptcy action?
No wonder you're stressed out, listening to what "They Say" you should do.
Your Loan Pre-Qualification will provide you with "Four Loan Scenario's" from a "Total Cost" Analysis worksheet. This will clearly define your options and their benefits to you for short term and long term periods. Don't settle for just one Good Faith Estimate. That's only a disclosure of numbers.
Here is just a sample of the Mortgage Products available to you. Normal turn around times from application to closing within 15 days (business days).
Fixed Rate, Adjustable Arm, including "2-1" Buy Downs, "0" Down Payment Gift Funds
Conventional & Jumbo Adjustable Arm:
Libor - Treasury:
1/1, 3/1, 5/1, 7/1, 10/1 year terms
Option Arms: 1 month MTA: Loan amounts up to $7,000,000+. 90% CLTV, upwards of $1,200,000
Interest Only Arm: 1 mo/6mo/1yr/3yr/5yr/7yr/10yr/30yr: Loan Amounts upwards of $10,000,000+ Primary Residence and Non Owner Investment
Special Non Conforming: 100% Combo and 1 Lien: Interest Only Options Fico's as low as 580: Loan amounts up to $350,000 Fico's 600 - 619 : Loan amounts up to $625,000 Fico's 620 - 639 : Loan amounts up to $750,000 Fico's 640 - 679 : Loan amounts up to $875,000 Fico's 680 plus : Loan amounts up to $1,000,000
Non Owner Occupied: 100% Combo Loans upwards of $1,000,000 95% Combo Loan: Interest Only 1st & 2nd mortgage Fixed Rates and Interest Only Arms, Full Doc, Stated Income - Stated/Verified Assets
BUYERS - SELLERS
