Loan Products
Loan Products
How Loan Process Works
1. Get Pre Approved
Contact us by phone, email, or via the contact form.
2.Find A Property
With a pre approval on hand start your search
3. We will get your loan Clear to Close
We will work with you to get loan 100% approved
4. Get Your Keys
Sign Closing Documents and take ownership of the property
First Time Homebuyer
More loan options are available for first time homebuyers than ever before. A wide variety of mortgage options and programs are available specifically for first-time homebuyers.
MORTGAGE OPTIONS & PROGRAMS AVAILABLE FOR FIRST TIME HOMEBUYERS
– Down Payment Assistance Programs
– Programs that allow gift funds from friends or family
– Non-repayable grants for down payments and closing costs
Foreing Nationals
Foreign National Loans Obtaining a loan for a real estate in USA for Foreign Borrowers Mortgages are approved for terms up to 30 years. For the first 3-5 years the interest rate is fixed, thereafter the rate will change in accordance with the LIBOR (London Inter-Bank Offered Rate) index. It usually takes from 30 to 45 days to close. In order to obtain a mortgage a 30% down payment of the purchase price is required. Mortgages may also be issued to a U.S. Corporation or LLC as well as to an individual
Reverse Mortgage
We’ve been in the business for 40+ years, and have been a leader in the field ever since. We take pride in sharing the experience we’ve acquired. We’ve been in the business for 40+ years, and have been a leader in the field ever since. We take pride in sharing the experience we’ve acquired.
Hard Money
Low doc home loans are for those who are self employed and are unable to prove their income through traditional means. This is the only way that you can borrow without recent tax returns or financial statements. You may have already found that choosing the right low doc home loan can be difficult as lenders have different requirements and interest rates.
Rate And Term Refinance
Do you feel so burdened by your current mortgage payment but you can’t bear to leave your beloved home? Maybe you just need a better rate to lighten the current payment.
If you are rethinking your monthly mortgage payment, we’d love to help with your Home Refinance! +
FHA Loans
FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by a FHA-approved lender. FHA insured loans are a type of federal assistance and have historically allowed lower-income borrowers to obtain a mortgage for the purchase of a home that they would not otherwise be able to afford. Great program for first time home buyers that allows 0% down payment.
VA Loans
The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry). The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment. Eligible areas are designated by the VA as housing credit shortage areas and are generally rural areas and small cities and towns not near metropolitan or commuting g areas of large cities.
No Income Loans
No Income loans fill a gap of situations which normal loan standards would not approve. This would seem prudent for a person just owning their main home. However, a real estate investor may have multiple properties and for each may receive only a small amount more than their loan payments on each house, but end up with disposable income.
Commercial Loans
Construction loans are typically short term with a maximum of one year and have variable rates that move up and down with the prime rate. The rates on this type of loan are higher than rates on permanent mortgage loans. To gain approval, the lender will need to see a construction timetable, detailed plans, and a realistic budget, sometimes called the “story” behind the loan
Jumbo Loans
This product is design for high worth individuals who values their credit worthiness and respect. It delivers many benefits such as ridiculously low rates, ability to choose an Adjustable or Fixed Rate option and it applies for both condo and single family homes.
Fix and Flip Loans
We also offer a two-year term gives you the flexibility to fix & flip, buy & hold, engage in an extended rehab, or even qualify for a conforming loan down the road. This type of loan secured by the Mortgage is exempt from any provisions of the Real Estate Settlement Procedures Act of 1974, as amended and Regulation “X” of the Secretary of Housing and Urban Development because the proceeds of the Loan and the Loan proceeds are being used for as an extension of credit primarily for a business, commercial, or agricultural purpose, as defined by 12 CFR 1026.3(a) (1) of Regulation Z.
Construction Loans
Construction loans are typically short term with a maximum of one year and have variable rates that move up and down with the prime rate. The rates on this type of loan are higher than rates on permanent mortgage loans. To gain approval, the lender will need to see a construction timetable, detailed plans, and a realistic budget, sometimes called the “story” behind the loan.
