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*Foreign Nationals
*Condotels & care facilities
*Commercial properties of most types
*No FICO Score, 1 score or limited credit (yes, we can build credit history based on utility bills, cell phone bill, etc.)
*Manufactured homes
*Non-warrantable condos
*Lower down payments Jumbo loans
*Bank statements programs - qualify with up to 90% of deposits for income - personal statements or business OK - no tax returns
*No income/no employment for investors - rentals or AirBnb etc. - purchase, refinance, or cash out (acquire more rentals with no income)
*FICO scores in the 500's
*One-year income qualifying
•Seller concessions up to 6% for closing costs
*0% down for primary homes
*1% down primary with no MI & aggressive rates
*Jumbo 1 appraisal up to 2M or possibly higher prices (many require two over 1.5M)
*Reduced and/or minimal seasoning on BK, Foreclosure, and short sale
*ITIN programs - undocumented individuals with an ITIN tax #
*Unlimited 60-day LATE payments and other flexibility for lates
*2-4 unit’s owner occupied with 15% down & investment 2-4 unit’s 20% down
*Interest only & term flexibility - new 10 YR I/O program on a 40-year TERM
*Asset depletion (qualifying with assets in the bank and NO job and NO income provided)
*NO DOC programs for investors
*NO MI on many programs & up to 50-55% total debt ratio
*Gifts OK, Gifts of Equity OK, Business Funds OK
*NOW loan amounts to 10 million (case by case over 4 million LA)
*Close purchase on the NO DOC investor loan in 35+ states (purchase, refi, or cash out)
*NEW 5-24 units’ apartment loan program for Investors (must be investor & NO DOC cash flow qualifying)
*Lower rates on Jumbo to 10 MILLION
*3-4 units up 15% down (0.125 less in rate)
*First Time Buyer Allowed on Investor no income program
*Non-Permanent resident Aliens options
*SBA LOANS
*1099 only & P & L only - no tax returns - owner occupied, 2nd home and a NON owner occupied
*Reverse purchases & refinances
*Light doc, no doc, or stated options!
And of course....
the "vanilla" loans banks and most lenders offer, however, we shop 60+ investors for the best rates!
FHA, VA, Conventional, USDA, Prime Jumbo, 3-2-1, 3-2, 1-1 buy-downs!
*Overall eligibility & guidelines vary based on qualifying for the many programs we offer. Reach out to discuss so we can put our expertise to work or apply at: www.MyCaHomeLoan.com.
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