| First time homebuyer
programs, grants available |
|
Home improvement
loans |
| Refinance/New purchases
to 100% / 103% LTV |
|
Investment
properties 95% loan to value |
| 80/20 Zero down
purchase |
|
Payoff contract
for deeds |
| Debt consolidation - up to 101% |
|
125% Equity loans |
| Lines of credit from 3.25% |
|
Cross-liens/blanket loans & bridge
loans |
| No cost loans available
purchase & refinance |
|
Second homes
& vacation home 95% |
| New home construction to perminient |
|
NIV home equity loans |
| VA Government loans |
|
Commercial properties |
| Modular homes |
|
Small mixed use/commercial - min.
property value $ 250,000 |
| Equity builder bi-weekly payments |
|
Credit score driven loans only |
| Jumbo & super jumbo loans - up to $10
million |
|
No ratio loan |
| No income/no assets/no job |
|
Collateral loans - must show the ability
to repay |
| Mortgage only programs |
|
Credit scores under 500 accepted (case by
case basis) |
| No PMI |
|
Bankruptcy & foreclosure |
| Value given for additional land over 10 acres |
|
High debt income loans - 65% case by case
basis |
| Hobby Farms & land loans |
|
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| SPECIAL PROGRAMS: |
|
|
| Preferred Rates For Excellent Credit |
|
|
| Loan limits up to $350,000 with conforming
rates and no PMI |
|
Fico scores of 730 and higher receive the
platinum program |
| Jumbo loans conforming rates No PMI |
|
Stated income for Self employed & W2 wage
earner |
| One day out of bankruptcy loans to 90% LTV |
|
No Income/No Assets/No Job |
| 720 Fico score 100% LTV No Income/No Assets |
|
Rural properties 100% LTV |
| 680 Fico score 100% LTV Non Income/No Assets |
|
Interest only program |
| 580 Fico score 100% LTV |
|
Condos/townhouse/2 unit properties 100%
LTV |
| 500 Fico Score 90% LTV |
|
|
| Below 500 Fico score 70% LTV |
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