Loan Programs and Products
Alliance provides a comprehensive array of loan 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. All loan programs in 2011 will require income documentation. This has changed since 2008 due to sub-prime issues.There are many programs that still go up to 100% loan to value but with stringent criteria. On the other hand you have FHA loans with 580 Fico scores and 3% down payment than can suffice very well for most bad credit borrower for bad credit mortgage refinances or purchases.
- FHA Loan programs- Government programs 3% down purchases, cash outs..Learn more.. New!!
- 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, many programs with as little as 3% down payment 580 scores.
- 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.
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 |
| 70% Foreclosure Refinances- Owner Occupied Conventional Lending |
| 70% Stated Income, Non-owner Refinances |
LOAN PROGRAMS NOT OFFERED
*Mobile homes � Construction loans � Co-ops � Bridge loans � Commercial property mixed use � Leaseholds � Land purchase loans � Refinancing properties listed for sale � Condotels� Condos over 4 stories� Loans to buy Foreclosure sales�Timeshares loans�Manufactured housing
Bad credit home loans,Home equity loans,Second mortgages, Current interest rates Mortgage Brokers and lenders California,Texas
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