LOAN PROGRAMS
Meeting Your Financing Needs
CONVENTIONAL / FIRST-TIME HOMEBUYERS
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As little as 3.5% down payment
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Lower private mortgage insurance costs
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Down payment sources include gifts, cash-on-hand, and down payment assistance programs
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Use income from non-occupant co-borrowers to qualify
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Income from non-borrowing household members helps your approval
CONVENTIONAL NON-OWNER INVESTMENT
As little as 20% down payment
Cash Flow
Asset Appreciation and Diversify Wealth
Invest in Long-Term Real Estate Holdings
Competitive Rates
FHA
As little as 3.5% down payment
Flexible Underwriting Requirements on Credit Scores and Debt Ratios
No Income or first-time homebuyer limits
Down payment sources include gifts, cash-on-hand, and down payment assistance programs.
Competitive Rates
NON QUALIFIED MORTGAGE PROGRAMS（CONTACT FOR MORE DETAILS）
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Bank Statement Programs (Best for Self-employment)
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Foreigner Loan Programs(Must be Foreigner)
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Investor-Cash Flow(Must own a property, No income needed)
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Assets Qualifier(Borrower must have at least $500,000 in post-closing assets)
VA
As little as 0% down payment
Flexible Underwriting Requirements on Credit Scores and Debt Ratios
No mortgage insurance
Lower Closing Costs
Competitive Rates
ZERO-DOWN HOME LOAN OPTIONS (CALL FOR PROGRAM AVAILABILITY AND REQUIREMENTS)
Down Payment Grants
Community Second Mortgages
