LOAN PROGRAMS

Meeting Your Financing Needs

CONVENTIONAL / FIRST-TIME HOMEBUYERS

  • As little as 3.5% down payment

  • Lower private mortgage insurance costs

  • Down payment sources include gifts, cash-on-hand, and down payment assistance programs

  • Use income from non-occupant co-borrowers to qualify

  • 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)

  • Bank Statement Programs (Best for Self-employment)

  • Foreigner Loan Programs(Must be Foreigner)

  • Investor-Cash Flow(Must own a property, No income needed)

  • 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

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