SPECIALTY LOAN PROGRAMS

These are special loans for borrowers with special needs. These loans are used in places where ordinary home loans may not work. Getting a longer term for repayment, or making interest only payments, or lowering your monthly payments.

Interest only loans:

• Want lower payments?
• Pay interest only for 10 years
• Qualify for 25% more home loan
• Great for short term holding
• Save hundreds of dollars on monthly cash flow
• This is not a 'negative amortization loan'.
• Fico score 580 required

50 year amortized loans:

• Pay down principal from the start.
• Lower payments
• Not available in all states

40 year amortized loans:

• Loan programs that stretch your dollar
• Lower monthly payments
• Qualify for greater mortgage
• Great savings on monthly mortgage payments
• Owner occupied, non owner, second homes
• Credit scores low as 540
• All credit grades

Stated Income loans

• No income on loan application- not available in 2008
• Wage earners, self employed
• Minimum 720 fico needed.

No seasoning loans

Will use appraised value first mortgages only.

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