Loan Programs and Products
Here is a comprehensive array of home loan and refinancing programs for all types of credit from A to D. If you have pristine credit or you have bad credit and a bankruptcy you can find a loan program here.There are many programs that still go up to 100% loan to value. On the other hand you have FHA loans with 600 Fico scores and 3.5% down payment than can suffice very well for most bad credit borrowers for bad credit mortgage refinances or purchases.
- 80% Hard Money or Fix and Flip loans 50,000 to 2,000,0000 for new purchases or refinances.
- FHA Loan programs- Government programs 3.5% down purchases,cash outs.Easier to qualify and get downpayment help
- No Equity Fannie Mae Freddie Mac HARP Refinances.105% plus more refinancing for home still not having any equity.
- 80/20 loans No Money Down 100% financing up to 1.5 million, with good credit and income documentation
- Purchase program first time home buyers, CALHFA programs programs with as little as 3.5% down paymentand downpayment available
- Interest only and 40 year amortized loans lower your payments! Improve cash flow.
- 50 year amortized loans lowest payments
- Personal loans, Unsecured loans borrow anything on your signature alone or collateral.
- 100% LTV second mortgages. Borrow 100% loan to values as home equity.
- 125% home equity loans No equity you can still get a loan, good credit.
- Debt Consolidation loans. Consolidate all your debt quickly.
- Credit Card Debt Consolidation loans to consolidate credit debt into one payment.
- Specialty loan programs. These are special loans for special situation.
- Commerical and mixed properties loans from 100,000 to 50,000,0000 for office building, shopping malls, commerical structures.
Prime Lending Programs Fico scores 620
|100 % Full Document Purchases Minimum Fico scores 720|
|100 % Full Document Purchases 80/20 Minimum Fico scores 700|
|100 % Full Document Purchases Minimum Fico scores 680|
|100 % Full Documents Refinance 80% Ist and 20% 2nd|
|Conforming Fixed||Conforming ARMs|
|Conforming 30-year||30-year adjustable|
|Conforming 15-year||3/1 year adjustable|
|Conforming 30/7 year||5/1 year adjustable|
|Conforming 30/5 year||7/1 year adjustable|
|Conforming 20-year||10/1 year adjustable|
Sub-prime Lending Fico Scores less than 620
|100% Purchases full documents 80/20 Minimum Fico Scores 700|
|100% Stated Income loans fico scores 720|
|90% Purchase / Cash-Out for A- Credit Fico Scores 580|
|85% No-Income-Verification Purchase. No Reserves needed|
|80% Bankruptcy Chapter 13 Buyouts|
|90% Stated Income Purchase / Refinance|
|80% Foreclosure Refinances- Owner Occupied Conventional Lending|
|80% Stated Income, Non-owner Refinances|
LOAN PROGRAMS NOT OFFERED
*Mobile homes – Co-ops- Leaseholds- Land purchase loans- Condotels- Condos over 4 stories- Loans to buy Foreclosure sales-Timeshares loans-Manufactured housing