We fund our loans with lightening speed and limited documentation! NO APPRAISAL IN MANY CASES
Check out our testimonials: http://luxuryhomesinthebayarea.com/category/testimonials/
Accredited Member of The Better Business Bureau With An A+ Rating and no complaints EVER
We offer literally every mortgage loan in the book!
Recap of our Loan Products:
1). Stated Income Loans (Great for business owners and self-employed) 25% down / 640+ credit score / 2 years business license / 12-24 months bank statements / 5%-5.5% interest
2). Foreign Nationals Loans (no social security or residency required) 40% down / Foreign passport / Document income outside US / 4.625% interest
3). Hard Money Loans (30-50% down / minimal documentation) Fund in 7-10 days. Rate start at 7.75% / 480+ credit score
4). Raw Land and Construction (Bridge Loans) including Spec Home! 75% loan to cost (cost of land and construction budget) / rates as low as 3.75%
5). 5% down Conventional (Lender paid PMI) Rates @ 3.875%+
6). Residential Income/Investment Property (including Mixed Use) Purchase and Refinance Loans 25-35% down depending on property, credit etc. / Rates start at 3.125%
7). Farms, Vineyards, Ranches and Agricultural Properties (25-30% down rates as low as 2.875%)
8). Flipper Loans (Flip a property with one of our many options) 30% down we finance acquisition and rehab funds / rates from 8.99%-11.99% / 1-2 year terms
9). 10.1% down Jumbo’s with NO MI up to $2.5mm / rates at 4.625-5.125% NO MI
10). Manufactured Housing / Mobile Homes (20% down / 620+ credit score) must be tied to real property / Rates from 4.25%
11). Acreage Properties / rates at 5%+
12). Commercial Loans up to $100mm / Purchase and Refinance Loans 25-35% down depending on property, credit etc. / Rates start at 3.125%
We also offer:
1). 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k) right now rates at 3.375% 30 year fixed
2). High Balance Conforming aka Super Conforming (from $417k-$625k) right now rates at 3.5% 30 year fixed
3). Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm / Prime jumbo rates at 2.875%
4). FHA, VA, USDA
5). ARM’s with interest only payment options available
6). Reverse mortgages up to $10 Million Value
7). Refinance including Cash Out
I am able to take a Loan Application on a moment’s notice & will be happy to provide Pre approval letters.
Please do not hesitate to call on me on each and every scenario and we will ID best programs.
Thanks and have a great day!
Darren Carlin / Pacificwide Lending / 925-872-0695 / dcarlin@pacificwidelending.com
