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. FHA
3. VA LOANS
4. USDA LOANS
5. JUMBO LOANS
6. SUB PRIME LOANS
7. NON-OWNER OCCUPIED /RENTALS
8. PRIVATE MONEY LOANS
9. COMMERCIAL LOANS
10. NOTE & CONTRACT BUYING
11. CONSTRUCTION LOANS
12. REHAB LOANS

1. CONFORMING - "A"

*  PURCHASE OR REFINANCE. 

*  MAX LOAN AMOUNT $453,100 (ABOVE THIS WILL BE A "JUMBO" LOAN W/ HIGHER RATES).

*  FIXED RATES - AMORTIZED OVER 8 to 30 YEARS - NO PRE-PAYMENT PENALTIES.

*  ADJUSTABLE RATES AVAILABLE - RECOMMENDED IN SPECIAL SITUATIONS.

*  620 MIDDLE CREDIT SCORE AND UP.

*  1% DOWN PAYMENT LOANS AVAILABLE FOR BORROWERS WITH 720+ CREDIT SCORES.

*  3% DOWN PAYMENT LOANS AVAILABLE FOR BORROWERS WITH SCORES DOWN TO 620.

*  5% DOWN PAYMENT LOANS AVAILABLE FOR MANUFACTURED HOMES.

*  LENDER PAID MORTGAGE INSURANCE AVAILABLE TO LOWER YOUR PAYMENT.

*  UP TO 10 FINANCED PROPERTIES ALLOWED. NO LIMIT ON NUMBER OF FINANCED PROPERTIES, IF SUBJECT PROPERTY IS PRIMARY RESIDENCE.

*  FINANCING FOR MANUFACTURED AND MODULAR HOMES, 1-4 UNIT RESIDENTIAL PROPERTIES, CONDOS, ETC.


2. FHA

*  PURCHASE OR REFINANCE.

*  100% FINANCING AVAILABLE FOR 640 AND HIGHER CREDIT SCORES.

*  3.5% DOWN PAYMENT WITH A 580 - 639 CREDIT SCORE.

*  10% DOWN WITH A 500 - 579 CREDIT SCORE.

*  ALLOWS ONLY 2 YEARS OUT OF CHAPTER 7 BANKRUPTCY, 1 YEAR OUT OF A CHAPTER 13 BANKRUPTCY FILING, AND 3 YEARS AFTER A FORECLOSURE.

*  FINANCING FOR MANUFACTURED AND MODULAR HOMES, 1-4 UNIT RESIDENTIAL PROPERTIES, CONDOS, ETC.

*  DEBT RATIOS UP TO 55%.

*  SUBJECT PROPERTY MUST BE OWNER OCCUPIED.

*  203K REHAB LOANS AVAILABLE--SEE REHAB SECTION BELOW.


3. VA LOANS

*  LOANS FOR VETERANS AND/OR THEIR SPOUSES.

*  NO MONEY DOWN REQUIRED.

*  CAN GET CASH OUT UP TO 100% OF APPRAISED VALUE.

*  FINANCING DOWN TO 500 CREDIT SCORE.

*  LOANS FOR THOSE ONLY 2 YEARS OUT OF A CHAPTER 7 BANKRUPTCY, 1 YEAR OUT OF A CHAPTER 13 BANKRUPTCY FILING, AND 2 YEARS OUT OF A FORECLOSURE.

*  FINANCING FOR MANUFACTURED AND MODULAR HOMES, 1-4 UNIT RESIDENCES, CONDOS, ETC.

*  SUBJECT PROPERTY MUST BE YOUR PRIMARY RESIDENCE.


4. USDA LOANS

*  LOANS FOR OWNER OCCUPIED RESIDENCES LOCATED IN RURAL AREAS OR TOWNS OF 25,000 PEOPLE OR LESS.

*  NO DOWN PAYMENT REQUIRED.

*  CREDIT SCORES AS LOW AS 580 ALLOWED.

*  FINANCING FOR THOSE 3 YEARS OUT OF A CHAPTER 7 BANKRUPTCY OR FORECLOSURE, AND 1 YEAR OUT OF A CHAPTER 13 BANKRUPTCY.

*  FINANCING FOR 1 UNIT FRAME HOUSES OR BRAND NEW MANUFACTURED HOMES.


5. JUMBO LOANS

*  PURCHASE OR REFINANCE.

*  LOAN AMOUNTS TO 3 MILLION OR MORE.

*  FIXED RATES - AMORTIZED 30 / 20 / 15 YEARS.

*  ADJUSTABLE RATES AVAILABLE - ONLY RECOMMENDED IN SPECIAL CASES.

*  UP TO 90% LOAN TO VALUE.

*  CASH OUT AVAILABLE ON REFINANCES.


6. SUB PRIME LOANS

*  WE HAVE MANY SUBPRIME LOAN PROGRAMS.

* RATES ARE BETWEEN CONFORMING AND PRIVATE MONEY LOANS.

* LOAN AMOUNTS UP TO $6 MILLION AVAILABLE.

* MAXIMUM LOAN TO VALUE RATIOS: 70% TO 90%.

* DEBT RATIOS UP TO 55%.

* ALTERNATIVE INCOME VERIFICATION ALLOWED (12 OR 24 MONTHS BANK STATEMENTS).

* NO LIQUID RESERVES REQUIRED.

* ASSET DEPLETION LOANS AVAILABLE.

* NO INCOME VERIFICATION LOANS AVAILABLE ON RENTAL PROPERTIES.

* FORECLOSURE BAILOUT LOANS AVAILABLE.

* LOANS FOR BORROWERS WITH RECENT FORECLOSURES, BANKRUPTCIES, OR SHORT SALES.

* LOANS FOR BORROWERS WITH CREDIT SCORES BELOW 500 AVAILABLE.

* 100% GIFT FUNDS DOWN PAYMENTS ALLOWED.

* LOANS TO FOREIGN NATIONALS AVAILABLE.

* INTEREST ONLY LOANS AVAILABLE ON NON-OWNER OCCUPIED PROPERTIES.

* PLEASE ALSO CHECK OUT OUR PRIVATE MONEY LOANS.


7. NON-OWNER OCCUPIED /RENTALS

*  PURCHASE & REFINANCE LOANS FOR 1-4 UNITS.

*  MAXIMUM LOAN TO VALUES RANGE FROM 75% TO 85%.

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

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

*  CONVENTIONAL, SUB-PRIME, AND PRIVATE LOANS AVAILABLE FOR THESE PROPERTIES.

*  UNLIMITED FINANCED PROPERTIES ALLOWED, SUBJECT TO LOAN TYPE.

*  LOANS FOR SELF-EMPLOYED BORROWERS.


8. PRIVATE MONEY LOANS

*  FAST AND 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 YEARS OR LESS IS REQUIRED.

*  PERSONAL RESIDENCE LOANS USUALLY HAVE BALLOONS DUE IN 6 TO 9 YEARS.

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

*  MOST OF OUR LOANS HAVE NO PRE-PAYMENT PENALTIES.

*  WE DO LOANS FOR FOREIGN RESIDENT BORROWERS WITH NO GREEN CARD OR OTHER DOCUMENTS.

*  WE ORIGINATE DODD-FRANK ACT COMPLIANT PRIVATE PERSONAL RESIDENCE LOANS.

*  WE CALCULATE LOAN TO VALUE PER MARKET VALUE OR AFTER REPAIRED VALUE, NOT PURCHASE PRICE.

*  THE ABOVE LTV CALCULATION ALLOWS YOU TO BUY AT A DISCOUNT WITH A SMALL DOWN PAYMENT.


9. COMMERCIAL LOANS

*  PURCHASE, REFINANCE, OR CONSTRUCTION.

*  LOANS FOR APARTMENTS, MOBILE HOME PARKS, OFFICES, RETAIL, STORAGE, INDUSTRIAL,  AUTOMOTIVE, SENIOR CARE, 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.


10. 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 HIGHER 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.


11. CONSTRUCTION LOANS

*  CONFORMING, FHA, VA, SUB-PRIME, AND PRIVATE CONSTRUCTION LOANS ARE AVAILABLE.

*  CONSTRUCTION LOANS ARE AVAILABLE FOR BOTH RESIDENTIAL AND COMMERCIAL.

*  ONE TIME CLOSE RESIDENTIAL CONSTRUCTION TO PERMANENT CONVENTIONAL LOANS ARE AVAILABLE.

*  CONSTRUCTION LOANS UP TO 90% LOAN TO VALUE ON CONVENTIONAL OWNER OCCUPIED 1 UNIT RESIDENCES.

*  LOANS UP TO 96.5% LOAN TO VALUE FOR FHA ONE TIME CLOSE CONSTRUCTION TO PERMANENT LOANS ON 1 UNIT OWNER OCCUPIED PROPERTIES.

*  LOANS UP TO 100% LOAN TO VALUE FOR VA ONE TIME CLOSE CONSTRUCTION TO PERMANENT LOANS ON 1 UNIT OWNER OCCUPIED PROPERTIES.

*  PRIVATE CONSTRUCTION LOANS UP TO 65% OF FINISHED VALUE AVAILABLE.

*  BORROWER SHOULD BE A GENERAL CONTRACTOR OR HIRE CONTRACTOR(S) TO DO THE WORK.

*  A CONSTRUCTION COST ESTIMATE IS REQUIRED.

*  WE DO CONSTRUCTION COST HOLDBACKS AND INSPECT COMPLETED PHASES.

*  WE PAY VENDORS AND SUPPLIERS DIRECTLY AND REIMBURSE BORROWER PAID INVOICES/RECEPTS.

*  PRIVATE CONSTRUCTION LOANS ALLOW NO PAYMENT/INTEREST ACCRUING, IF THERE IS ENOUGH EQUITY AND THE LOAN TO VALUE IS LOW ENOUGH.

*  INTEREST IS DUE ON THE FULL LOAN AMOUNT FOR PRIVATE CONSTRUCTION LOANS.

*  PRIVATE CONSTRUCTION LOANS CAN ADD A PAYMENT RESERVE TO THE LOAN AMOUNT, IF THERE IS ENOUGH EQUITY AND THE LOAN TO VALUE IS LOW ENOUGH.


12. REHAB LOANS

*  CONFORMING, FHA, SUB-PRIME, AND PRIVATE REHAB PURCHASE AND REFINANCE LOANS ARE AVAILABLE.

*  FHA 203K REHAB PURCHASE LOANS ARE AVAILBLE WITH 3.5% DOWN.

*  CONVENTIONAL HOMESTYLE RENOVATION LOANS ARE AVAILABLE WITH 5% DOWN ON OWNER OCCUPIED AND 15% DOWN ON NON-OWNER OCCUPIED PROPERTIES.

*  REHAB LOANS ARE AVAILABLE BOTH ON RESIDENTIAL AND COMMERCIAL PROPERTIES.

*  LOANS UP TO 65% OF AFTER REPAIRED VALUE ON PRIVATE REHAB LOANS.

*  LOANS UP TO 90% OF PURCHASE PRICE ON PRIVATE REHAB LOANS, IF PURCHASE PRICE IS WELL BELOW AS REPAIRED VALUE.

*  BORROWER SHOULD BE A GENERAL CONTRACTOR OR HIRE CONTRACTOR(S) TO DO THE WORK.

*  A REHAB COST ESTIMATE IS REQUIRED.

*  WE DO REHAB HOLDBACKS AND INSPECT COMPLETED PHASES.

*  WE PAY VENDORS OR SUPPLIERS DIRECTLY OR REIMBURSE BORROWER PAID INVOICES/RECEIPTS.

*  WE CAN DO NO PAYMENTS/INTEREST ACCRUING PRIVATE LOANS, IF THERE IS ENOUGH EQUITY AND THE LTV IS LOW ENOUGH.

*  INTEREST IS DUE ON THE FULL LOAN AMOUNT FOR PRIVATE REHAB LOANS.

*  WE CAN ADD A PAYMENT RESERVE TO THE LOAN AMOUNT, IF THERE IS ENOUGH EQUITY.



LOAN TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE.


 

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