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This is a loan that allows you to qualify for a home purchase without a social security number. The bank will qualify the borrower by verifying their ITIN number. If you have an ITIN number you can work with our team to see if you qualify today.

This product allows the borrower to qualify for a mortgage by providing 12-24 months of bank statements only with as little as 10% down payment with loan amounts up to $5 million with no mortgage insurance.

We are able to qualify foreign nationals with no proof of income, citizenship, taxes or credit. 

This product allows Self employed individuals can qualify for a loan by providing business Profit and Loss document with as little as 15% down payment and loan amounts as high as $10 million.

Self Employed borrowers who are 1099 workers may qualify for a loan granted they have been employed for 2 years.

Self-employed borrowers are able to qualify for jumbo loan up to a $10 million dollar loan amount. 

Self-employed borrowers may qualify for a conventional loan utilizing our 1 year tax program with as little as 5% down.

 Qualify with as little as 3% down payment with loan amounts up to $970,800 on a single family home and up to $1,867,275 on a 4 unit property. 

Qualify with 0% down payment with loan amounts up to $2.5 million with no mortgage insurance.

Qualify with as little as 3.5% down payment with loan amounts up to $970,800 on a single family home and up to $1,867,275 on a 4 unit property.

When you purchase or refinance a home you will pay for closings costs which include loan fees, title fees, escrow fees, and prepaid taxes, insurance and interest. These are all costs that incur when closing on a transaction.

Points are percentage points paid to lower your interest rate. Depending on your qualifying rate, the bank may allow you to buy down and qualify for a lower rate by paying a certain percentage of your loan amount.

If you have a bankruptcy, collection accounts, late payments or any derogatory remarks on you credit report we can are still able to qualify you. Call us for more details.

Opting for a cosigner may be advantageous depending on your situation. If the cosigner’s credit score is equal or greater than the primary borrower and they have low liabilities, it may help with the loan application.

The bank will provide you with a home loan depending on the appraised value of the property by conducting a professional appraisal. The maximum purchase price for a home loan goes accordingly with the borrower’s monthly income.

For an FHA loan, your maximum total monthly payments for all liabilities (credit cards, car payments, installment loans) including your housing payment may not exceed 57% of the monthly income of all individuals qualifying on the loan.

For a Conventional loan, your maximum total monthly payments for all liabilities (credit cards, car payments, installment loans) including your housing payment may not exceed 50% of the monthly income of all individuals qualify on the loan.

Example: Monthly income of $8000

FHA : $8000 x 57% = $4560

CONV : $8000 x 50% = $4000

For an FHA loan, if your total monthly income is $8000, then your total amount of debt per month including your new housing payment may not exceed $4560 a month.

On a Conventional loan with a monthly income of $8000 your total amount of debt per month including the new housing payment may not exceed $4000 a month.

To be eligible to refinance, you must first take your loan out of forbearance and make 3 consecutive mortgage payments, or pay your entire deferred balance in one lump sum payment; by doing this you avoid having to wait 3 months.

To be eligible to purchase a new home, you must either sell your current property OR take your loan out of forbearance and make 3 consecutive mortgage payments.

First-time homebuyer loans are designed to help people become homeowners with as little as a 3.5% down payment toward the purchase price. Additionally, there are other minimum requirements for this type of loan.

FHA and Conventional loans both have their advantages depending on each borrower’s      situation.

An FHA loan allows an individual to qualify for a loan with as little as 3.5% down payment of the purchase price. It is also more flexible when qualifying a borrower with a lower credit score. An FHA loan also requires the borrower to pay mortgage insurance for the entire life of the loan.

On a Conventional loan, your minimum down payment will be 3% of the purchase price. Conventional loans require slightly higher credit than FHA loans, however it does not require you to pay mortgage insurance for the life of the loan. If the borrower provides a 20% down payment or your loan reaches 80% Loan to Value, then mortgage insurance may be omitted and will be excluded from your monthly payment.

Yes! We specialize in qualifying self-employed borrowers and have several great programs that cater to these types of loans.

The answer is yes; however, there are minimum requirements you must meet.

Yes, this is possible! We work with every situation and find solutions. We have a variety of resources available to help you meet your goals.

A VA loan is a specific loan for those who served in the military. This type of loan requires a 0% down payment and may be used to purchase a property or refinance an existing mortgage.

For an FHA loan, you may qualify for a home loan with credit as low as 500.

Conventional loans require a minimum of 620 credit score.

For an FHA loan the minimum down payment is 3.5% of the purchase price. The minimum down payment on a conventional loan is 3%. The minimum down payment on a Veteran loan is 0%.