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LOAN PROGRAMS OFFERED

I have a wide variety of loans I can offer you because my corporation is approved to do loans with over a hundred lenders either directly or through mortgage banks and brokerages

CONVENTIONAL LOANS

I offer my clients all conventional residential programs, including:

  1. Conforming

  2. Jumbo

  3. FHA

  4. VA

  5. USDA

  6. First-time Homebuyer programs

  7. Construction loans

  8. Renovation loans

  9. HELOCs & Fixed-rate loans in second lien position

 

NON-QM LOANS

"Qualified Mortgages" are those that the Government likes. You must qualify using tax returns, W-2s and Paystubs. Non-QM means “Non-Qualified Mortgage.” These are non-conventional loans, so banks don’t usually offer them. I get them on the Wholesale Loan Market. All Non-QM loans are available for my clients, including:

 

Alternative income documentation loans – we use these programs when we cannot use tax returns to verify income.

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  • Business or personal bank statements

  • A CPA-prepared P&L

  • DSCR (debt-service-coverage-ratio) – this is exclusively for investment properties. The lender uses market rent defined by the appraiser or actual rent to verify your ability to repay. These are the fastest and easiest loans in the market today.

  • No Ratio means the lender bases the loan on factors other than your verifiable income.

 

Foreign National programs are for people who do not reside in the United States but want to buy property here. I help them buy property as a second home or investment property. Some use it to buy a home for their children who are in University or working in the United States but cannot qualify for a loan on their income alone.

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Construction - I offer both ground-up and rehab constructions loans

 

Fix & Flip – I help professionals who buy, remodel, and sell houses and condos for a living.

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HELOCs & Fixed-rate 2nd Mortgages - Anyone who owned or purchased a property when the rates were at their lowest in 2020 and 2021 probably has a 1st loan with a rate so low that they never want to give it up. If you need cash out of your property to pay off debt, add an ADU, or do repairs and upgrades, a loan in second position is probably best for you. The wholesale market has an abundant supply of 2nd loans, some that allow alternative income documentation.

 

Private Money – These are also called “Hard Money” loans. We use these when banks and wholesale lenders will not do the loan for various reasons. They are short-term, high-rate loans, which which I only recommend to people who need money quickly, and have an "exit strategy", which is a plan to pay off the loan in less than a year or two.

 

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