Call Gina the Mortgage Queen today!
Mortgage Broker California specializing in Home Mortgage Residential Loans in 18 States- Arizona, California, Colorado, Connecticut, Florida, Georgia, Idaho, Indiana, Massachusetts, Maryland, North Carolina, New Hampshire, New Mexico, Oregon, Pennsylvania, Texas, Virginia & Washington and Commercial Loans in all 50 States
Time is running out to submit and fund private money owner occupied and non-owner occupied loans before new Dodd Frank and CFPB rules hit in Jan!
After Dec 15th stated income on Non Owner Occupied will be gone and funding Owner Occupied will be more challenging for everyone, us and you the borrower. Get your home mortgage loan now while we can still underwrite to current law.
Brand New Subprime Loan Program now available!
BK/Short sale/Foreclosure OK (We can do 1 day out of Short Sale, Bankruptcy and Foreclosure)
Fico down to 550 (call me if you need a foreclosure bailout)
Mortgage lates OK
No reserves OK
Lack of employment history not a concern
Bank Statements for Self Employed that require NO TAXES and NO 4506
LTV up to 80%
No Prepayment Penalty
Valid for Residential SFRs, Townhomes, Condos and 2-4 units
No upfront fees
Freddie/Fannie unapproved Condos OK
We can close in 10 days
HARP eligibility just expanded by roughly $20 Billion! Broader HARP Guidelines to help more underwater homeowners.
Unlimited LTV / CLTV on primary residence and second home
Investment LTV= 125%
Minimum 620 FICO regardless of LTV or occupancy
No condo questionnaire required- just confirmation not a condotel
Up to 10 Properties (all occupancy types)
Max DTI 60%
Mortgage History 0x30x6
Most MI policies may be transferred or convert LPMI monthly to BPMI monthly
No Foreclosure/Bankruptcy Seasoning!
100% Financing No Money Down Payment Available For Home Purchase In Some Areas!
We are the only one doing Stated Income Verified Assets loans. No W2′s, no paystubs, no tax returns.