Our No Income Verification Loan is available to highly qualified borrowers with complicated income situations for the purchase or refinance of a principal residence or a second home. Borrowers must have an impeccable track record of fiscal responsibility, excellent credit and credit scores, significant assets and a proven capacity to handle their financial obligations.
Our Stated Income Loan program is very similar to the no income verification loan program in that the borrower also has to be exceptionally qualified.
Featured Article: Stated Income Loans - The New (Old) Rules
Mortgage Loans for Business Owners
We have carved out a niche for ourselves is in lending to the long mistreated self-employed borrower and to those who don't fit into the loan programs currently offered by most mortgage lenders. We may be able to help if you are newly self employed or an established self-employed business owner and you want to buy a home or refinance your current mortgage.
Commerical Loans and SBA 504 Loans
Our Commercial Lending Division offers excellent rates for SBA 504 Loans and Commercial Loans including financing for Large Multi Family Projects and we offer permanent financing for Hotels, Offices and Industrial. We also have access to a few conduits that offer stated income commercial loans.
We are a Nationwide Direct Lender
As a direct lender we will underwrite, close and fund your loan ourselves. Our strength comes from the fact that we are not a huge call center staffed with inexperienced customer service representatives. We are professional, knowledgeable and responsive. We underwrite our loans "in-house" and we can close and fund your loan very quickly. We do not need to wait on an outside investor to underwrite your loan and close it at their leisure.
Personal Mortgage Banking
When you contact us you will be dealing directly with a knowledgeable and courteous loan officer that can give you accurate rate information and quote you realistic time frames for approval and closing.
A few of our more popular loan programs:
- No Income Verification Loans - this loan is similar to a stated income loan and it is only for those who have a proven ability to handle their financial obligations.
- Stated Income Loans - stated income mortgage loans are primarily for the self employed and require high FICO scores, excellent credit, excellent assets and a stellar track record of managing your debts.
- Stated Income Commercial Loans - stated income commercial loans are still available. We have a few excellent resources for these loans.
- Interest Only Mortgage Loans - there are many interest only mortgage loans available, but the 30 year fixed with the 10 year interest only option is the most popular.
- 97% Financing - Zero down mortgage loans are no longer available. 3% is now the minimum down payment with private mortgage insurance. PMI is now tax deductible for most borrowers making these loans more attractive.
- Stated Income Loan (Agency) - These are "stated income loans" that are sold to one of the Goverment Sponsored Enterprises (Fannie Mae or Freddie Mac). The loans allow stated income and stated assets.
- Super Jumbo Loans to $2,000,000 - Super jumbo mortgage loans for the self employed.
- Renovation and Remodeling Loan - this loan is for a major renovation or remodel, rehab, tear down and rebuild. Principal residences and second homes only. No Investment properties.
- Construction-to-Permanent Loans - this a mortgage loan that enables you to buy a lot, build a home and get permanent financing all in one loan.
- Commercial Hard Money Loans - we have access to Commercial Hard Money Lenders if you are need of a quick closing on a commercial loan.
* Some loans are not available in all states
