RESIDENTIAL MORTGAGES

LOW SCORE PROGRAM
500 CREDIT SCORE
1 DAY OUT OF BANKRUPTCY, FORECLOSURE, SHORT SALE, DEED IN LIEU
85% UP TO $1,00,000
NO ACTIVE TRADELINES WITH HOUSING PAYMENT HISTORY  
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100% GIFT PROGRAM
1-4 FAMILY AND CONDOS
90% LTV up to $2,000,000
50% DTI  
100% GIFT OK
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INVESTOR CASH FLOW
QUALIFY ONLY WITH RENTAL NCOME
NO INCOME 1-4 FAMILY AND CONDOS
NO 4506-T
NO DTI
640 CREDIT SCORE
1-4 FAMILY AND CONDOS
80% LTV up to $1,000,000
70% LTV up to $2,000,000  
60% LTV
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BANK STATEMENT PROGRAM
12 or 24 MONTHS STATEMENTS PERSONAL or BUSINESS OR COMBINATION  
NO CPA LETTERS
NO TAX RETURNS, NO 4506-T
NO INCOME or EMPLOYMENT ON 1003  
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ASSET DEPLETION
FIXED and ARM'S
INTEREST ONLY, AVAILABLE
CREDIT SCORE 700
75% LTV up to $1,000,000
70% LTV up to $1,650,000
65% LTV up to $2,000,000
SINGLE FAMILY and CONDOS  
59% DTI
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INHERITED PROPERTY PROGRAM NO MINIMUM CREDIT SCORE FUTURE VALUE OF RENTAL INCOME CONSIDERED
REFINANCE REVERSE MORTGAGE 80% LTV
5 YEAR TERM  
BK, FORECLOSURE, SHORT SALE...OK   
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NO PMI and HIGH DTI PROGRAMS
95% LTV up to $2,500,000,  720 SCORE, 35 DTI, 40 YEAR TERM, 10 YRS INTEREST ONLY
90% LTV up to $2,500,000,  680 SCORE, 50 DTI
85% LTV up to $2,500,000,  660 SCORE, 50 DTI
80% LTV up to $2,500,000,  660 SCORE, 50 DTI  
90% LTV up to $1,000,000,  660 SCORE, 50 DTI
85% LTV up to $1,500,000,  680 SCORE, 46 DTI
80% LTV up to $1,500,000,  720 SCORE, 55 DTI
75% LTV up to $1,500,000,  700 SCORE, 55 DTI    

* CONFORMING
* HOME READY 97
* HOME POSSIBLE
* HOME STYLE
* HARP 

* DU REFI PLUS 105
* HIGH BALANCE 

* FANNIE MAE RENOVATION

*  FIXED AND ARM'S 

*  AMORTIZED 

*  INTEREST ONLY 

*  3/1, 5/1, 7/1, 10/1 ARM's... 2/2/5 Caps. 2.25 Margin 

*  15/1 ARM'S5/2/5 Caps, 2.25 Margin

*  Up to $4,000,000 

*  95% LTV to $850,000 NO PMI 

*  90% LTV up to $1,500,000 NO PMI 

*  90% LTV up to $1,000,000, 680 credit Score 

*  80% LTV up to $1,500,000, 661 Credit Score 

*  85% LTV up to $2,00,000 NO PMI 

*  80% LTV up to $1,500,000, 620 Credit Score, 55% DTI 

*  80% LTV up to $1,500,000, 620 Credit Score, 50% DTI 

*  85% LTV up to $1,500,000, 660 Credit Score, 50% DTI  

*  NON-WARRANTABLE CONDOS, OK LOAN AMOUNTS UP TO $10,000,000 Available, please inquire    

*  FHA

*  FHA $100 DOWN

*  FHA NON TRADITONAL CREDIT

*  FHA STREAMLINE

*  FHA 203(K)

*  DU REFI PLUS 125

*  FHA HIGH BALANCE

*  USDA

* FIXED AND ARMS'S 

* INTEREST ONLY, AVAILABLE 

* NO US CREDIT 

* NO CREDIT SCORE 

* NO SOCIAL SECURITY NUMBER 

* NO ITIN  

* NO VISA 

* SECOND HOME and INVESTMENT PROPERTY 

* 1-4 FAMILY 

* CONDOS, CONDOTELS  

* 75% LTV up to $750,000 

* 70% LTV up to $1,000,000 

* 65% LTV up to $2,000,000 

* 50% LTV up to $3,000,000   

NOT ALL FEATURES ARE AVAILABLE FOR ALL PRODUCTS  

* ACCESS EQUITY IN YOUR HOME INTO CASH OR A LINE OF CREDIT

* NO MONTHLY MORTGAGE PAYMENTS

* THE LOAN BALANCE DOES NOT COME DUE AS LONG AS YOU OWN THE HOUSE AS YOUR PRIMARY RESIDENCE OR THE PROPERTY IS SOLD

* RATES ARE COMPARABLE TO MANY TRADITIONAL LENDERS LINES OF CREDIT OR HOME EQUITY LOANS

* HEIRS CAN KEEP THE HOME AT 95% CURRENT APPRAISED VALUE OR PAY OFF THE BALANCE

* OWNED FREE AND CLEAR OR VERY LITTLE MORTGAGE BALANCE, GET A MONTHLY CHECK TO SUPPORT RETIREMENT

* DEFER SOCIAL SECURITY TO OBTAIN MAXIMUM BENEFITS

* PAY OFF MORTGAGE WITH NO MORE MONTHLY PAYMENTS

* MAKE RETIREMENT SAVINGS LAST LONGER. 

* LINE OF CREDIT AS A SAFETY NET FOR UNPLANNED EMERGENCIES, HOME REPAIR, MEDICAL, ETC

* CHOOSE THE FOLLOWING WAY TO RECEIVE FUNDS...

 1) LINE OF CREDIT 

2) LUMP SUM PAYOUT 

3) MONTHLY PAYMENTS 

4) COMBINATION OF THE ABOVE