OWNER FINANCE PROGRAMS
Have You Heard about Our New
Jumbo Residential and Commercial Product?
Check it Out
BUY OR SELL WITH...
NO CREDIT CHECK
NO EMPLOYMENT VERIFICATION
NO ASSET VERIFICATION
MUCH, MUCH MORE!!
Property Value: $500,000 to $20 million
(almost guaranteed approval)
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560 FICO Product - Owner Occupied
Help for Buyers is Now Here!!
Can we assist YOU!!
Program Available in ALL 50 States
This is one loan - not a 1st and 2nd combo
560 Credit score minimum (all three scores)
95% LTV Financing Possible
With 5% Minimum Down
Mortgage Insurance applies (if LTV is over 80%)
FULL DOC only
50% Debt To Income
2 Years continuous employment (change in industry OK)
NO Verification Of Rent
2 Active Trade Line Requirement (0 x 30)
NO prepayment penalties
30-year fixed financing
No Debt over $5000
Minimum Loan amount $75,000
No seasoning on flip properties with our contracts (original seller must have title 90 days minimum)
Gift Letter same as assets (not verified or transferred)
Collections, Liens and Judgments
not over total aggregate of 5K (if exceeds, can be paid down to qualify level)
Discharged BK and Foreclosure – 24 months minimum
Mortgage – 0 x 24
Seller closing concessions not to exceed 3% below 580 score – above 580 up to 6%
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Stated Income Program - ALL 50 States - Owner Occupant only
Scores 720 minimum
25% down payment
Potential rate - 7%
Owner Occupied
Tax returns are required as per new law.
They are included in file but are not 4506'd. (Return is not verified but must included in file)
(almost guaranteed approval)
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For Pre-Approval Submit:
Uniform Credit Application-1003 and Application Fee (see below)**
3-File Merged Credit Report (within 30 days)
2 Paystubs (most recent pay periods)
Self Employed – 2 years personal and business tax returns unless in business more than 5 years and using own funds for down payment and closing costs and personal tax returns show increase in income over last two years.
2 W-2's (most recent 2 years)
Purchase Contract
Recent State Certified Appraisal (comps no more than 60 days old)
Discharged Bankruptcy
Foreclosure - 2 years out
Judgements and Liens - paid at or before closing
Contact Us
Uniform Credit application **
Application fee ($50.00) ** (see below)
GET PRE-QUALIFIED/ PRE-APPROVED!!
Contact Us
**Please Pay Application Fee
by Check or Credit Card
Email us and we will send a statement
Get Pre-approved Today!!
OUR COMPANY IS A MORTGAGE CONSULTANT FIRM.
WE ARE NOT MORTGAGE BROKERS.
PRODUCTS ARE FOR OUR CLIENTS
AND THOSE SELLERS, BUYERS, AGENTS AND INVESTORS
WHO WANT TO WORK WITH US.
USE OUR OWNER FINANCE PROGRAM
BEAT MORTGAGE LENDER SEASONING
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Short Sale Program link
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“No Credit Check Program” (now available)
If You are having difficulty securing a mortgage loan
We can help!!
Plenty of time to correct YOUR challenged circumstance.
Guaranteed Approval – 90% LTV Financing - No Credit Check Program
No Credit Check
No Credit Qualifying
99% Approval Rate - No Red Tape!
Discharged Bankruptcy & Foreclosure OK!
Tax Liens & Judgments OK!
Easy Income Verification
80-90% Financing
Affordable Rate*
Upfront Cost for this Program
ONLY Used as a Final Resort!!
Program Overview:
This program is intended for buyers that are experiencing a difficult time due to credit problems but have sufficient income to make payments on a home and have a 10% downpayment.
The program actually provides a credit partner that obtains a loan to purchase the property on behalf of the buyer.
When the credit partner closes on the property they immediately enter into a Lease Purchase Contract with the buyer. This gives the buyer control of the property as long as they make their monthly payments on time. The buyer then has a period of three years in which to refinance the property and pay off the Credit Partner.
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For Information Contact Us