Access G T Mortgage, Inc.
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Access G T Mortgage, Inc. offers a variety of programs to meet your needs.  We have established relationships with wholesale conventional lenders and with our own private investors, which enable us to provide the following loan and funding types:

 
1. CONFORMING - "A"
2. CONFORMING - "ALT A-"
3. JUMBO / NON-CONFORMING
4. SUB PRIME
5. NON-OWNER OCCUPIED /RENTALS
6. PRIVATE MONEY LOANS
7. COMMERCIAL LOANS
8. NOTE & CONTRACT BUYING
9. PROJECT FUNDING

1. CONFORMING - "A"

*  PURCHASE OR REFINANCE  (FHA & VA LOANS ALSO AVALIABLE TO QUALIFIED BORROWERS)

*  MAX LOAN AMOUNT $417,000 (ABOVE THIS WILL BE A "JUMBO" LOAN W/ HIGHER RATES)

*  FIXED RATES - AMORTIZED OVER 40 / 30 / 20 / 15 YEARS - NO PRE-PAYMENT PENALTIES

*  ADJUSTABLE RATES AVAILABLE - NOT RECOMMENDED

*  680 MIDDLE CREDIT SCORE AND UP


2. CONFORMING - "ALT A-"

*  PURCHASE OR REFINANCE

*  MAX LOAN AMOUNT $417,000

*  JUST MISSED "A+" AS TO CREDIT SCORE / DEBT TO INCOME RATIO

*  620 MIDDLE CREDIT SCORE AND UP

*  FIXED RATES - AMORTIZED OVER 30 / 20 / 15 YEARS (MAY HAVE PRE-PAYMENT PENALTY)

*  ADJUSTABLE RATES AVAILABLE - NOT RECOMENDED


3. JUMBO / NON-CONFORMING

*  PURCHASE OR REFINANCE

*  LOAN AMOUNTS TO 1.5 MILLION OR MORE

*  FIXED RATES - AMORTIZED 30 / 20 / 15 YEARS

*  ADJUSTABLE RATES AVAILABLE - NOT RECOMMENDED

*  UP TO 90% LOAN TO VALUE

*  CASH OUT AVAILABLE ON REFINANCES


4. SUB PRIME

*  TEMPORARILY NOT AVAILABLE; CHECK BACK LATER.

*  IN THE MEANTIME CHECK OUT OUR PRIVATE MONEY LOANS.


5. NON-OWNER OCCUPIED /RENTALS

*  PURCHASE & REFINANCE LOANS FOR 1-4 UNITS

*  MOST OF OUR RENTAL LENDERS HAVE A MAXIMUM 75% LTV.

*  CONFORMING RATES ON RENTALS ARE HIGHER THAN ON PERSONAL RESIDENCES.

*  FIXED AND ADJUSTABLE RATES AVAILABLE (ADJUSTABLE RATES NOT RECOMMENDED)


6. PRIVATE MONEY LOANS

*  FAST & FLEXIBLE FINANCING - RESIDENTIAL, COMMERCIAL, AND LAND

*  PURCHASE , REFINANCE, REHAB / REMODEL, CONSTRUCTION, DEVELOPMENT 

*  FIRST MORTGAGES ONLY

*  MAX LTV = 65% RESIDENTIAL & COMMERCIAL / 50% MAX LTV LAND ONLY 

*  MAIN QUALIFICATIONS ARE SUFFICIENT EQUITY AND SUFFICIENT INCOME

*  COMPETITIVE FIXED RATES WITH 5 POINTS (5% of LOAN AMOUNT) ORIGINATION FEE

*  PAYMENTS ARE AMORTIZED OVER 30, 25, 20, 15, OR 10 YRS OR ARE INTEREST ONLY

*  USUALLY A BALLOON EARLY PAY-OFF IN 5 YRS OR LESS IS REQUIRED

*  PERSONAL RESIDENCE LOANS ARE FULLY AMORTIZED (HAVE NO BALLOON)

*  TO PROTECT YOU AND OUR INVESTORS, WE ALWAYS VERIFY INCOME AND DEBT RATIO.

*  MOST OF OUR LOANS HAVE NO PRE-PAYMENT PENALTIES


7. COMMERCIAL LOANS

*  PURCHASE, REFINANCE, OR CONSTRUCTION

*  LOANS FOR APARTMENTS, MOBILE HOME PARKS, OFFICES, RETAIL, STORAGE, INDUSTRIAL,  AUTOMOTIVE, NEARLY ANY TYPE OF COMMERCIAL STRUCTURE

*  LOAN TO VALUES RANGE FROM 55% TO 80%, DEPENDING ON PROPERTY TYPE.

*  THE MAIN QUALIFICATIONS ARE LOAN TO VALUE AND PROPERTY OR BUSINESS INCOME

*  CONVENTIONAL, NON-CONFORMING, SBA, B&I, FARM, PRIVATE & HARD MONEY LENDERS

*  COMMERCIAL LOANS ARE HANDLED BY OUR AFFILIATE "FREEDOM FUNDING"

*  PLEASE CALL FREEDOM FUNDING AT 503-393-2133 FOR DETAILS


8. NOTE & CONTRACT BUYING

*  "WE LIBERATE FUTURE CASH FOR PRESENT USE"  'TM'

*  WE BUY SELLER HELD REAL ESTATE NOTES & CONTRACTS SECURED BY RESIDENTIAL, COMMERCIAL, AND LAND PROPERTIES NATIONWIDE - WHERE ALLOWED

*  WE ALSO BUY SELLER HELD NOTES CREATED BY THE SELLER FINANCED SALE OF A BUSINESS

*  WE PAY HIGH PRICES FOR DESERVING NOTES AND CONTRACTS

*WE DO NOT HAVE A STANDARD DISCOUNT;  WE PRICE EACH PURCHASE ACCORDING TO ITS RELATIVE SAFETY OR RISK.

*  WE ASK FOR MORE INFORMATION UP FRONT, BEFORE WE GIVE A QUOTE.  WE NEED TO GATHER ENOUGH INFORMATION, SO THAT WE CAN STAND BEHIND OUR QUOTE.  WE WILL NOT "BAIT AND SWITCH" YOU.  "BEWARE" OF QUICKIE QUOTE NOTE BUYERS !

*  TO GET A QUOTE, PLEASE PROVIDE US WITH A COPY OF THE NOTE OR CONTRACT, THE CLOSING STATEMENT, AND BASIC INFORMATION ABOUT THE PROPERTY, THE SALE, AND THE BUYERS

*  WE ALSO BUY THE FOLLOWING OTHER CASH FLOWS:  STRUCTURED INSURANCE SETTLEMENTS, CELL TOWER LEASE PAYMENTS STREAMS, INHERITANCES, MILITARY PENSIONS, BUSINESS TO BUSINESS INVOICES / ACCOUNTS RECEIVABLE, ETC

*  CONTRACT AND CASH FLOW PURCHASES ARE HANDLED BY OUR AFFILIATE: FREEDOM FUNDING.

*  PLEASE CALL FREEDOM FUNDING AT 503-393-2133 FOR MORE INFORMATION.


9. PROJECT FUNDING

*  PROJECT FUNDING IS ALSO HANDLED BY OUR AFFILIATE: FREEDOM FUNDING.

*  THE FUNDING IS BASED ON COMMERCE RATHER THAN DEBT.

*  THEREBY THE PROJECT IS DEBT FREE UPON COMPLETION.

*  THIS ENABLES BOTH NON-PROFITS AND COMMERCIAL PROJECTS TO OBTAIN FUNDING.

*  PLEASE CALL FREEDOM FUNDING AT 503-393-2133 FOR MORE INFORMATION.



LOAN TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE.