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Less Than Perfect Credit Information


High cost lending among home loans minorities - study shows.
July 18, 2017 - Financial Article #143
Higher income does not protect blacks and Hispanics from receiving mortgage loans with above-market rates, a new study by a group pushing for reforms to lending laws says.

What exactly is a reverse mortgage?
June 29, 2017 - Financial Article #85
A reverse mortgage is pretty much exactly what you think it is, a regular mortgage but in reverse. So as in a regular mortgage, the buyer wants a house and gets a loan to cover the expense and they pay it back monthly.

We found the #1 trusted site to find foreclosure listings in Canada!
June 28, 2017 - Real Estate Article #38
Thousands of foreclosures for thousands below market value See full address, property details, maps, satellite and street images, contact details and more Receive daily email alerts about new properties in your area Free foreclosure tutorial and buyers guide ($49.95 Value) Risk free - Cancel any time

Having trouble qualifying for a home loan with student loan debt?
June 26, 2017 - Financial Article #30
The good news is, Fannie Mae has announced some changes that may make it easier to afford a home and get a mortgage.

Less Than Perfect Credit Available Loans


 Conforming Loans
Up to $275,000. Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Conforming loans typically have higher loan limits than FHA and VA loans.
 
 Reverse Mortgage
Allows borrowers to retain ownership of their property and receive cash or a monthly check representing a portion of the equity in the property. No money is due until the property is sold, the owner dies or vacates the property for 6 months, or an agreed upon date is reached.
 
 Moderate Income First Time Home Buyers - 0-3% Down
FHA/FNMA - This program was designed to assist moderate income first time home buyers. The program also allows more flexibility to help borrowers qualify. First Time home buyers dream!
 
 5% Down Investment/Rental Properties
We offer many programs to the investment buyer that wants to put the least amount down. Typically these programs differ from a conforming loan in that a slightly higher interest rate is charged. A down payment of 30% is needed to qualify for conforming rates. Loan to values to 90% with allowed seller concessions of up to 5%.
 
 VA and FHA - Government insured/guaranteed long-term, fixed-rate and adjustable loans.
Government insured/guaranteed long-term, fixed-rate and adjustable loans that are good bets for new homeowners who qualify.
 
 Easy Loan - No Documents
No Doc w/620 Scores to $2,000,000 Stated Income w/620 Scores $4,000,000 Full Doc w/600 Scores to $4,000,000 Debt Ratios to 45% 30 Year and 15 Year Fixed Available
 
 100 - 107% Financing
We offer several no down payment programs such as the Rural Housing Service Loan that increase the number of loans in rural communities. We also have a 100% program for borrowers that have good credit and employment histories but have no money down for their down payment. In some cases, the closing costs can be included in the loan amount and there is no mortgage insurance.
 
 Reverse Mortgage
Allows borrowers to retain ownership of their property and receive cash or a monthly check representing a portion of the equity in the property. No money is due until the property is sold, the owner dies or vacates the property for 6 months, or an agreed upon date is reached.
 
 Easy Doc - No Documents and Stated Income
No Doc w/620 Scores to $2,000,000 Stated Income w/620 Scores $4,000,000 Full Doc w/600 Scores to $4,000,000 Debt Ratios to 45% 30 Year and 15 Year Fixed Available
 
 Refinancing, Rate/Term or Cash-out
Many programs are available to reduce your present mortgage interest rate with little or no "out-of-pocket" cash. We will use up to 100% of the appraised value of your property for some programs. You can use the equity in your home for home improvements, college tuition, debt consolidation, the purchase of a boat or car or for "emergency" cash savings.
 
 Credit Problem Programs
Our skilled loan officers believe that everyone is entitled to a second chance. There are many programs that may be available to you, even if you do not meet traditional approval guidelines. While the interest rates on these loans are generally a little higher, our non-conforming mortgages provide you with an opportunity to rebuild your credit, help you to consolidate outstanding debts, make home improvements or provide you with additional cash for whatever you may need.
 
 First Time Home Buyers
We understand the excitement and pressure that can be a part of your first home purchase. That is why we have trained professionals to help you get the information and the financing you need. There are several benefits to this being your first home purchase. Give us a call and we will give you a free consultation on purchasing and financing your first home purchase.
 
 VA and FHA
Government insured/guaranteed long-term, fixed-rate and adjustable loans that are good bets for new homeowners who qualify.
 
 Imperfect Credit Loans
Imperfect credit loans allow borrowers with less-than-perfect credit to qualify for competitive interest rates to buy a home, consolidate debt, lower payments or make home improvements.
 

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