 |
 |
 |
 |
|
|
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.
|
 |
|
|
|
|
 |
|
 |
 |
 |
 |
|
"SOLUTIONS"
Challenged & Perfect Credit !
Self-Employed
New Construction
Non-Owner Occupied Rentals
PURCHASE
RE-FINANCE
Private Loans
Commercial Loans
Lot/Land Loans
Farm Loans |
|
|
|
|