Residential Real Estate Loan Program
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Conventional Loans Fixed and ARM, Conforming, High-Balance, Jumbo, FHA, VA and Non-QM Loan, Private and hard money loan Programs.
Varity of programs tailored to meet the unique needs of borrowers. Whether the borrower is a first-time homebuyers and low-to-moderate-income borrowers, HomeReady programs provide accessible paths to homeownership with low down payment options, featuring a 3% down payment, and down payment assistance programs making homeownership even more achievable.
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DSCR (Debt Service Coverage Ratio) This product will allow borrowers to qualify for investment properties based on the monthly rental income of the subject property & credit history rather than their current income.
Bank Statement Loans a Bank Statement Loan is a Non-QM Loan were self-employed borrowers don’t have to present pay stubs or tax returns when applying for a home loan. Will use 12 to months bank statements to qualify for loan.
Private and Hard Money Loans – No requirement for borrowers for with credit, bank statements, pay stubs, income, appraisals on some transactions or other traditional bank qualifications. Assets base loans only.
Bridge loans: or Fix & Flip: – used for short-term needs on properties that are being renovated for resale. Lending up to 90% of property acquisition plus 100% of rehab costs up to 75% ARV.