Mortgage Loans

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In buying or refinancing real estate the most critical part of the transaction is the financing because it is what makes it affordable. We make it simple and affordable by selecting the best lending options for your real estate plans. The following are reasons for working together:

• Refinance: restructure the current home loan, remove mortgage insurance, switch from government loans to conventional, have better terms,  and more manageable payments 
• Solar Panels Refinance: Refinance & payoff expensive home improvements, solar panels, and other things that are paid via property taxes and return savings back to normal. Removes the special tax & lien that increases the overall tax bill which pays for the panels. Majority of solar panels are sold via HERO and PACE programs by door to sales people.​
• Probate Refinance: Don't sell the house and keep it in the family plus save thousands of dollars in real estate commissions; you will not need a down payment!   
• Probate Purchase: buy any property type with a low down payment    
• Divorce Refinance:  Get a loan instead of selling plus save thousands of dollars in real estate commissions; you will not need a down payment!    
• Purchase: first time buyer, growing family, step up to better or bigger residence, and many more reasons
• Rate Reduction: present interest rate high, swap adjustable rate mortgage to fixed rate, or take advantage of current historical low rates
• Home Improvements: additions to the house, and renovation, increase curb appeal, and  improve market value 

• Debt Consolidation: combine all debts into one single payment, get rid off non-deductible consumer interest charges, and increase tax write-offs
• Equity Loans 2nd Trust Deeds - use the equity value of the property 
  
• Mortgage Consolidation: put all mortgages into one manageable payment and save    
• Money for School Tuition: pay for college or other education opportunity
• Cash for Any Reason: take a vacation, put money in the bank, or start a business
• Down Payment Assistance: the entire purchase price is financed with 2 loans. The down payment is covered by a 2nd trust deed loan.
• ​Commerical Lending: apartments, strip malls, service stations, etc.
• Reverse Mortgage: planning retirement, current age is at least 62 years, and do not want any more housing payments ​

You may have other reasons to need a mortgage loan and whatever those are we will improve your present financial condition rest assured.

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We have loans for all types credit and income verification including the following:

Credit

• Excellent: no delinquency on credit past or present
• Recent Bankruptcy: Chapter 7 or Chapter 13 

• Foreclosure: lost house & want a fresh start with new residence
• Slow Pay: some derogatory accounts but overall good credit
• Short Sale: sold house for less than owed due to the economy​

Income

• Verify Income: using tax returns & pay stubs
• W-2 Only: no deductions to income due to IRS form 2106 expenses
• Self Employed: only verify using bank statements or Profit & Loss Statement 
• Investor Rental properties - use rental agreements only

We have the right loan for you all you have to do is contact us to find the best option for you when buying or refinancing. 

Lending terms & programs include:

• 30 year fixed rates
• 20 year fixed rates
• 15 year fixed rates
• 10 year fixed rates
• 5 year fixed, 7 year fixed & 10 year fixed - adjustable rate mortgages
• Temporary Rate Buydown - fixed rate mortgages 
• ​FHA down payment assistance 
• FHA Streamline refinance with no appraisal 
• FHA Traditional for purchase or refinance 
• VA loans up to $1,149,824 for single family residence click here for details
• ​Alt Doc - bank statement, rents only, no income, etc.
• ​Self Employed - alternative income documentation 
• ​Conventional for single family residence & 2-4 units
• Commercial without using income tax returns​

When searching for simply the best rate, we have it. Call us for other lending products you may be looking for; we will assist you. We look forward in becoming your source for all real estate matters including lending.

Market Rates are Rising but Ours are Low!  
¡Nuestros Intereses son Los más Bajos de La Industria!
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Call Today - Llame Hoy

213-989-0909